Hm, idea for switching: Make the bars that can not be selected for free greyed out, and add a button for "confirm selection" or so. That way you can change your presets just to browse, and only when you're sure, hit the confirm button, which then spends some action points. Probably the same amount as opening the inventory and completely changing the layout.
Maybe even one action point less for a twist, depending on whether you want to differentiate between selecting a preset or creating a new one.
scenario: *dun dun dunnn combat*
1. you like to use fire, select your fire layout <no AP>
2. activate fireball <5 AP>
3. ??? {some combat and AP spending ensues}
4. profit {several mobs killed}
5. a fire elemental wanders in
6. crap your pants <1 AP>
7. select your healing bar ... or no select the ice layout <no AP>
8. hit confirm <3 AP>
9. kill the hellspawn {some combat and AP spending ensues}
10. drink beer
Alternatively, using skills from 'inactive' bars costs extra and may or may not 'activate' that bar.