Pump up INT and you can easily go into Fire/Water/Air/Ground and Witchcraft. Level them up as you see fit as you play. The penalty mentioned above will be +2 AP at first using around level 9 spells if you have something like only a point in the school. So if you hit that and want that lower, then put another point in that school. You can easily play the game like that, just add to the school needed when you feel it is needed. It's too easy imo, there should be some type of limit on how many schools you can invest in beyond one point.
