To clarify, please. If I have no weapon skill and wear 45 DCI and carry a spellbook (No Eval either and Elf so no anat JOAT), it is a waste of mods?
But if I carry a -20 Mage Use sword, and with mage skill jewel mods that give me the equivalent of 115 swordsmanship, then I do get the benefit of the DCI 45?