Maybe thing is all the magic stuff seems to be 5 (spells, rituals, alchemy, power points at creation, enchanting bonuses like govi) and I really am a little leary of tieing it straight to initiation as its 10 + 3 * initate rank and that adds up fast. To get all spirit types and nothing else your looking at 13, 16, 19, 22 for a total of 70 odd karma.