Yep you have to eat power scroll as +jewelry won't raise you above your scrolled skill, and I like Barok's input for main skills.
If you have a skill of more importance, (which I can't really imagine for a mage than magery), your most valuable skill should be real skill in my opinion. 105 magery maybe not that too big of deal necessarily, but it will be against anyone that is scrolled 120 on resist.
That said, I never have set templates. If you keep "set" templates, than I suppose + skill may not matter that much.