a) Seeing as tier 3 spells at casting level 6 requires only 31 Divination or Elemental skill, there's really no point in raising it beyond that number (including buffs) correct? I was hoping to get fewer resists or bonus damage or something tasty (like maxing weapon skill for melee types) but that doesn't happen right?
b) Similarly, raising Int or Wis beyond 25 (with buffs) is basically pointless aside from the small bump in MP per level and elemental/disease resistance. It's fairly easy to achieve +12 Int with items (two rings, a pendant, and a hat). I'm thinking I wasted the points I spent getting Int to 20 in the first place. The max spell number cap of Int/2 and Wis/2 can be annoying but I as long as I'm careful not to learn the useless spells or those redundant with Alchemy, then there's plenty of spell slots available with just 12 for each magic school. Is there any hidden Int check for determining spell resistance or anything like that??
Seems like I'm going to have plenty of attribute points to spend on getting perception to 70 for that 5 MP/tick!

Thanks for any input!!