to try to clear up the confusion even more (though it probably only adds to the confusion

)
You can use
runes and insignia's on your armor at the same time.
Vitae is a
Rune (+10 health)
Minor water magic is a
rune (+1 water magic)
Runes have always been optional, we just have an addition with nightfall.
Survivor is an
insignia (the amount of health added is determinded by the body part you apply the insignia to (+15 when added to chest, +10 when added to legs and +5 when added to feet or arms if I am correct))
+10 vs ele and +10 vs water is an
insignia
Insignia used to be part of the armor, but can now be applied when you want to change. Also, we have gotten more choice in this department as well.
So you can have a +10vs and +10 vs combined with a vitae rune combined. Or a Survivor combined with vitae. Or a survivor combined with minor water magic. You can't have a combination of Vitae and Minor water magic.
hope this clears somethig up....