Pondering magic systems for ADOM II 0.4.x and 0.5.x

While I'm still working on finishing ADOM II 0.3.0 (with the major new addition of working ranged combat) I also have been thinking quite a bit about how I am going to approach magic in the release lines ADOM II 0.4.x (which will introduce arcane magic) and ADOM II 0.5.x (which will introduce religion and miracles). Here are my current thoughts and I am highly interested in comments and feedback.