What kind of damage do you normally do? A lot of the creatures around Yak's are vulnerable to fire damage; if you switch to holy, you might end up doing less damage, even with the armor penetration helping you out. Also, armor penetration is a big deal later on, but in the early parts of the game, armor is so low that AP doesn't really do much. Judge's Insight doesn't really start to shine as a skill until you get to the Gates of Kryta. Then it completely rocks, but before that, it's rarely of much use.
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