Still you gonna later want to get better infusions off elements like blessed ice etc. So giving 2 into every school in magic would be neccessary then
Do Blessed surfaces make any difference to the Incarnate now? They didn't in EA.
I only used different surfaces when it was either convenient or the enemy was weak to an element.
The nice thing about aiming for Physical is that even if there is no blood, you can keep doing Physical by just summoning to an empty space. A convenient element is not always as available. Sure you don't get a resistance or an additional ability, but you don't lose any tempo either.
It's rough when no one has been hitting Magic Armor and one character has to work through a large amount by himself.