Re: Magic(k)
This is not bad out of the gate, but could use some play testing.
Do you have thaumatology? It has LOTS of ways to mess with the magic system. Most notably for this discussion, it has Realm Magic. When I ran Mage in GURPS 4th, I used that and it worked very well. It is really a method of pricing exactly the type of flexible on-the-fly magic you're talking about.
I believe I charged a small advantage for removing the focus rather than a skill level, so that a Mage could still use the focus for a skill bonus.
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