I think that getting magic should be really difficult to start off with... You shouldn\'t get any magic skill from chargen (at least in final version, we need lots of casters for debugging).
The things which now give you Mlvls in chargen should instead give you no skill, but higher magic-oriented stats.
You should have to start your magic training young, so be sure to start a magic-seeking path before you get 100pp (If pp are still in use). First, you should have to find a master of one of the magic orders every npc should have a clue to find at least one master, so you ask around... Every clue that you collect may be counted as a mini-quest, and the first time you talk to the master you should get small rewards for having gathered them (to discourage outright ooc influence where you walk right to the secret master of all darkway and say \"please train\"))
Lets say you find the master (if the master is evil, maybe he will only reveal himself to you when you show that you have evidence who he is. If he is good, perhapse he will not entrust the power of his knowlege on one who hasn\'t proven themselves by doing favors for his friends.) Now the master should have a few quests before he will innitiate you: herbs to gather for the innitiation rite, five books in libraries, taverns, and temples throughout the realm you must study, etc.
Finally, you are innitiated and earn your first lvl in that school. Then, there should be three (or five or twelve, or pick-your-occultly-powerful-number) other trainers who you will be sent to seek out for knowlege of the 3, 5, 7, 12, etc cardinal teachings of the school, each of whom bestows 1 or two Mlvls.
Only when you have finnished these \"accolyte\" levels will you be able train that way like any other skill. A person who has innitiated in one way can follow this process at any time to gain other ways, regardless of how far he has advanced. Other ways can never be more than 70% (rounded up) of the level of your \"home\" school, and you can never be innitiated in your home school\'s opposition school.
So, all that is required is that if you want to learn magic, you do so first. then you are free to be a plate-mailed axe weilding warrior on top of that with little penalty. Some people will do it, and the game will be richer for their presence. But most people who choose to do magic will spend several rl weeks running around to get a moderate Mlvl in one way and innitiate level in one or two others, and will be used to roleplaying a magic guy enough to not go the road of the Fighter/Wizard/Miner/Thief....