Hmm, yeah this is tougher now. My feelings on the matter is that for pure variable optimizations the 20-15-5 result is still the best, assuming you don't care about having the shiny BiS item for its own sake. Also this is all assuming the ultimate divine band will not impact any variables and only be relevant for combat.
Is the ultimate divine band only equippable by Uyae? If it is equippable by other characters then I think someone that doesn't like using Uyae much will be fine with just dumping skill and going for the 20-0-10 result.
Otherwise I do think getting skill 10+ is worthwhile if you like using Uyae, she will actually have mid-combat versatility by gaining a heal to her atk build and/or an offensive spell for her mag build, even if it means settling for the 5-9 quality result. In that sense the previously mentioned 20-15-5 result is not even that bad in terms of combat benefits, I think the tradeoff between Uyae having more versatility from her unlocked skills and the raw stats of the ultimate divine band (+ the accessory slot it frees up with the built-in immunities) ends up being a bit of a wash.
I don't like anything that involves accessibility being less than 15, as Carina not getting smite just kinda sucks.