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Well, in this case, literacy is definitely more useful – you can train your secondary skills... And if they offer not navigation, but Eagle Eye (my favorite, by the way :D), then I think it's still more logical to take literacy, because at level 19, you won't learn many spells from a trainer.
By the way, I've had this happen – I would abandon a scenario and start over because of some awful thing that dropped at the end, like Literacy, Eagle Eye, or Navigation...
