the 1st thing u should think of is how are u going to heal yourself and the pet.
Higher is magery and more powerfull will be heal/greaterheal. So..in general, 100 magery isn't so great. i hotly recommend 115 at least for some gg heal.
If you can't reach that lvl of magery, well chiva is the way to go; with all its good/bad sides ofc.
Now mixing chiva with magery 70+ isn't that great, especially if u 're going to use chiva as your main source for healing, since chiva fc/fcr cap goes from 4/6 to the one of magery, that's 2/6;So the coomon "rule" is going full magery or full chiva.That means u run in 2/6 or 4/6 basicly.
Some people still keep chiva but just for curing from curses.Ofc it all depends about free skill points, points that u seem to lack
I would lower vet and use the spare points on magery : 115 or 120
Or i would simply go around with 120 chivarly, so that u could count on an efficient despiro-malas..that can save your life lots of times.
There are others few interesting possibilities u can try, but they would make your playing style deffo harder than a "traditional" setup.
While u keep music @ 120, u can lower disco to even 90 points real. Right when u want to disco, you equip 2x jewels +15 disco, and then u switch back to your other main jewels.This trick saves you 30 skill points..u can use elsewhere.
Then, if u like badly invis and so magery...well there's an other possibility u can try..that's the one i run on a template of mine.
Basicly, i got 55chiva points.And almost always i run in 4/6; i use chiva as my main source of healing and curing curses/poisons.
Then i got even magery at 95.9 (real points).I'm sopped with 120 magery too and whenever i want to use highlvl spells -(mainly rez skill, time to time gate), i just mount few items that bring me at 120 magery.
Now, why 95.9 real magery? Simply cuz i got a one-hand weapon (a dagger) with -26mage weapon property, fc1, dci and light hit. NO spell chann there.
That means, every time i wear that daggy my chiva still works wonderfully at 4/6....right when (4example) i cast invis on me...that dagger is istantly un-equipped, bringing me at an almost 100 magery lvl (more than enough for invis succesfull 4sure)
Moreover if i need to heal from far my pets too, the 1st g.heal would be a g.heal based on 96magery but a second later when i switched 1jewel and 1 book i got the power of 120 magery + other bonuses.
And if i need to heal myself? Np at all....heal/g-heal on me!All this done being at 2/6 cap
Now a weapon like that dagger ensure you a minimum lvl of dci; i mean it's like having a 70 weapon skill; not that great...but better than nothing 4 sure...and tbh...if u are not champing badly...i wouldn't be worried about dci things...the majority of mobs cast spells...and dci there count nothing.
I wanted to try that strange setup...and i use it on my bard tamer (got provo there too) it's really funny and flexible but...hard for sure.
My final suggestion is: go 120 chiva and lower both disco (to 90) and vet (to even 80)
Use the rest of points somewherelse. ( u should have something like 90 free points left and even more if you can use armor/tali with skill bonus too
)
If you could reach 120 free points in some way...thinking of disco+120 eva int +120 magery would be cool...(just think of the power of blessing the pet and slayer books...)
but i guess u'll suffer of mana probs...so maybe medit would be better.....as u see lots of options...it's up to ya really.
ps. dunno witch wich pet u're going around....but if u wanna use just a cu...uhm..u can even try to go around with lower taming.