Re: Changing default for Innate Attack Skill
You could do Skill Substitution as a Perk. I don't like making it the default because IMO there's a distinction between the world's best Ice Knife caster and the world's best Ice Knife thrower. Seems like it cuts straight to the IQ vs. DX divide at the core of the GURPS skill system.
Magery as a bonus looks like fun, depends on how many levels of Magery you allow in your game and whether ranged combat is a niche that needs protecting.
Doing both seems heavily unbalanced but w/e, YMMV.
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