I only do complete repairs at anyone if it's cheap, replaceable things that I generally don't care about. (such as gathering knives, axes, and such)
Otherwise, I always try to repair single points at a time, and rebless if I lose a blessing. For things such as battle gear, clothing, fashion things, and such, I generally go to Nerys (Weapon/Armor), Lery (Alchemy), Malcolm (Instruments/Misc), Stewart (wands/staves), and Simon (Clothing) if it's marginally expensive (as in, 4k per point or higher on 95%). Otherwise, I visit Andras (Weapon/Armor), Eabha (Alchemy), Art (Instruments), Effie (Misc), Berched (Wands/Staves), and Simon (Clothing) if it's moderately affordable. Either way, I always visit Simon anyway because most clothing is relatively inexpensive to repair anyway. Though if that becomes an issue, visiting Nora isn't too bad. Even though she has the lowest repair rates, it's still relatively alright imo. (Unless your clothing, for whatever reason, has 30+ dur >.> )