Also maybe another idea would be an elemental affinity that if you limit yourself to certain elements or use them much more than others you get an affinity to a certain element, if you then start casting another element more often the affinity would change to the new element you use most often..
Elemental Affinity sounds like a good talent/trait for the specialist mage. Maybe it could decrease casting costs for X element type spells, and raise the casting costs for the opposite element spells.
If you take allot of greed options in the game, maybe you could earn the haggle talent which would make bartering with merchants better and cheaper. Though not quite sure how altruism would become a talent...
Strictly speaking, that sounds like more like a Personality Traits than a Talent, because it is emergent from your style of play.
Your post did give me an idea on how to make Altruism a useful trait - be Altruistic enough, and it could be a percentage increase of the gold you get as a reward from quests that give a gold reward. Steal too much, and even if you don't get caught, you'll lose that trait.
