3 Character Types: Fighter, Wizard, Mixed (Bard, Cleric, Monk)

[KevinJ]

In my house rule version I made Adept a 3pt IQ10 Talent that is what separates an 'Adept' from everyone else.

How Magic Works: an Adepts guide to spell casting.

Using Magic: A Summary of Methods

If you have the Adept Talent, you may use magic as follows:
From Memory: You have learned this spell by paying an IQ point. Make your adjDX roll, Pay the FT cost if it succeeds, 1 FT if it fails.

From a Scroll: You must be Literate and the scroll must be a language you can read. If the spell’s IQ level is higher than yours, you are -2 DX for every IQ point difference. Make your adjDX roll and pay the FT cost if is succeeds or 1 FT if it fails. Either way, the scroll is destroyed during use.

From a Book: You must be literate and the book must be a language you know. The spell must be equal to or lower than your IQ. You must have your Mage’s Chest with you, be in a Mage’s Laboratory. It takes 5 minutes (60 rounds) to cast a spell from a book; make you DX roll at the end of this time. You suffer a DX-2 because the task is unfamiliar. Pay the FT cost for casting the spell, or 1 FT if you fail. Only IQ 14 or lower spells may be cast from a book.

Using a Magic Item: As described for that item, Adepts can use all magical items.

If you do not have the Adept Talent, you may still use some kinds of magic, as follows:
From Memory: Exactly as an Adept.

From a Scroll or Book: You are unable to fathom the arcane formulae and mystical symbols. This knowledge is granted through intensive study (get the Adept Talent...)

Using a Magic Item: As described for that item. Non-Adepts can use many magic items.

Any character pays the same for Talents, Spells, Languages, etc. After running my game for about 8 months and the upcoming TFT I think I will increase the cost of Adept to 5 and only Adepts will be able to use the Staff spell as it currently stands.