Always use +skill for buffs, no matter the situation.
For debuffs, Omega Ring is currently the best all round ring for BRD. Balrahn's Ring is what I use for my other ring slot, hard to beat the flat +4 MAcc.
You can always shoot for +MAcc augments on some cheap CHR rings. I have +1 CHR on one of my Nereids, but I stick to the rings above because I can't be certain which Nereid (+2 MND, -1 INT) will get equipped.
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If my understanding of m.acc formulae is correct. 5CHA = 5 m.acc = 5 skill.
However, once you are 50(?) CHA above the foe's CHA that falls to 5 CHA = 2.5 m.acc(or less).
Assuming the above is true, and that most mobs(Including most HNM) have fairly low CHA scores, skill may be more important if you can reach some magic number on CHA.
We don't know if Elemental Magic accuracy is the same as song accuracy. It's easy to *assume* it works the same way, but as far as I know, there's no real formal testing. We know that CHR, MAcc, and Skill improve your accuracy, just not by how much.