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Let's say you're level 1 and have no int bonus or skill bonus yet, and the base spell damage is 100. If you invest 3 points into intelligence, your total damage would be 100 (base damage) * 1.15 (int bonus) * 1.00 (skill bonus), or 115 damage. If you invest 2 points in int and 1 point in the appropriate skill, you would get 100 (base damage) * 1.10 (int bonus) * 1.05 (skill bonus), or 115.5 damage. If this is correct, you get more damage from the skill, but lose on the persuasion bonus, the flexibility (int benefits all magic damage, skills benefit just that skill's damage), and the bonus magic armor.
I could be wrong though, haven't really tested
Plus poly level 5 skill (source skills cost 0 source) + storm spells is great. You'll get way more mileage on int than the skill itself from what I've seen but I don't know the exact formulas. I would assume int affects the total while the skill affects the base (so (100% base + 5%*X)*Y) where X = skill level and Y = stat). if you're trying to focus on one or two skills specifically, it'd be a good idea to focus on those heavily after you reach max int. You could probably hit max int by poly 5 or 7.
I could be wrong though.
Using your example of 100 base damage. If you have 40 Int, you'll do 150% base damage multiplied by the skill bonus:
40 Int (+150% base damage)- 0 in the skill would be 250 damage.
- 1 in the skill would be 263 damage.
- 2 in the skill would be 275 damage.
- 3 in the skill would be 288 damage.
- 4 in the skill would be 300 damage.
- 5 in the skill would be 313 damage.
- 6 in the skill would be 325 damage.
- 7 in the skill would be 338 damage.
- 8 in the skill would be 350 damage.
- 9 in the skill would be 363 damage.
- 10 in the skill would be 375 damage.
41 Int (+155% base damage)- 0 in the skill would be 255 damage.
- 1 in the skill would be 268 damage.
- 2 in the skill would be 281 damage.
- 3 in the skill would be 293 damage.
- 4 in the skill would be 306 damage.
- 5 in the skill would be 319 damage.
- 6 in the skill would be 332 damage.
- 7 in the skill would be 344 damage.
- 8 in the skill would be 357 damage.
- 9 in the skill would be 370 damage.
- 10 in the skill would be 383 damage.
Now lets say you have 3 in a skill and are considering increasing Int to 41 versus increasing the skill to 4. As you can see from above, you are missing the opportunity of 6 damage placing a point into Polymorph for the Int increase versus the skill. With a base damage of 500, you'll lose out on 34 damage.
My conclusion is early in the game, prior to level 16+ you are better off using Polymorph to boost Int to max, since you'll most likely be relying on high damage AoE spells from each school. With lower levels (Skills scale with character level) and lower damage the amount of damage you miss out on pumping Int versus a skill is rather low. It's only higher levels when skills start to do 1k-2k damage that you'll notice you are much better off with maxing a single school versus pumping Polymorph up. By this time anyway, you can max Int without Polymorph anyway, so definitely remove those points in mirror later and invest them into your favorite magic skill. If you use some of the Polymorph skills, keep the bare minimum.