Sorry, I don't understand what you point at. Without Necromancy it's not more complex, it's simpler. You lose the benefit of self-heal by damage and damage by reflection, you gain the benefit of putting more points into raw damage.
I'm not sure how many points in schools later skills need. Maybe there is a punishment for spreading wide (it should be in my opinion), maybe not.
Currently I think a build with Necromancy is stronger.
What spells do you pick if you are going with a Staff Melee Fighter? What elements? How much?
While Warfare + Necromancy is extremely straight forward.
