From a metagame perspective, Generalist isn't a very common option. Most players make Specialists, so the concept of a Generalist Wizard is practically an ACF to some.
The only things I feel less bound by than the rules are common player trends. I promise that I never choose or don't choose options for characters based on what a typical player is likely to do in that situation. Whether something is popular or unpopular among players has no bearing on whether one of my fictional characters chooses to take it. I'm not attempting to model a D&D campaign with statistical accuracy and I don't feel bound to follow trends, probabilities, or the Internet's consensus on what are useful character options.
That being said, Tsukiko is supposed to be a necromancer, but it looks like I gave her too many schools. Oh well. I guess she breaks the rules.
Also, holiday ornament and t-shirts from CafePress: