[Steve Plambeck]

For me the total costs of all talents on the record sheet better add up to the character's IQ, or my OCD will kick in and I may tear some hair out. So it's the 80's rules for me, including the lower XP costs for raising that IQ.

In our old house rules we treated spells and talents as totally separate memory tracks, so any wizard with IQ 12 had 12 points to spend on talents, and could know 12 spells as well as in original Wizard.

And never once did all that "extra knowledge" on the part of characters ever unbalance play, and we played that way happily nearly 20 straight years.