[Anomylous]

Professional musician weighing in:

I think of Bard / Master Bard as being talents representing musical training, which includes not only the technical knowledge of how to play an instrument and/or sing, but also repertoire, theory, how to play as part of an ensemble, stage presence and etiquette... You could cover all that with a simple "mundane talent" but me and my mostly-complete Master of Music degree might be a little offended!

I also think that the +1 to reaction rolls for Bard talent (+2 for Master) is ENTIRELY appropriate. I can cite multiple occasions from my own experience where my musical skills opened doors for me, literally or metaphorically - not even limited to formal auditions; basically, people have heard me making pretty noises, gone "oh we want more of that!" and invited me to their Thanksgiving dinners or whatever. Now, imagine how much more often that might happen in a world where you can't conjure a perfect rendition of any song you can think of, out of the shiny gadget in your pocket...

Over in the Mundane Talents section, 3 IQ points for "full mastery" (hah!) of one musical instrument seems pretty fair, in terms of the amount of time and effort it takes to acquire that level of skill. However, for character building I'd say: let IQ points spent on Bard talent "count towards" instrument mastery - so a Master Bard (with a total of 4 points invested in Bard talents) has "fully mastered" one instrument (3 points) and dabbles in another (1 point), or is reasonably competent on two (2 points each).

TL;DR I like the Bard talents as they stand.