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I think that, at the moment, the advantages of working outweigh the disadvantages. There is hope to fix the clumsiness; I have almost come to terms with the green skin, and I have some money, magic, and a couple of perks. The temptation to continue working is very strong, but Raven spoiled it for me, saying that the chance of getting good loot during the experiment is not very high, so I need to know when to stop, in my opinion.
And yes, earth magic would be more useful to me, but since I took the perk for water, I'll have to go with water.