nah, corpse explosion is shitte whole game.
I also recommend 3 schools in most circumstances, usually 2 main-synergistic schools, and 1 supplementary.
So its usually hydro+aero (main) with necro or summon as supplementary.
Or summon+warfare main+geo supplementary
Its not really about points, its mostly about memory, if you have all the schools, you wont have memory for all the skills you need probably

And if you invest in memory too much, you are now seriously gimping yourself, because you dont have abilities high enough, and stats are low too now.
What I really recommend tho is everyone to have scoundrel - adrenaline/pawn, possibly teleport are too good.
And geo OR hydro on every char really helps too, especially for repairing armors, and oil puddles