Hmmm. I like your inspiration idea - have you read Angry GM's idea?
11 Ways to Take the Suck Out of Inspiration in D&D | The Angry GM
The Angry GM delivers advice to players and dungeon masters of fantasy role-playing games with humor, snark, and attitude. Game masters and players are sure to find something of use, whether they are playing AD&D, D&D 3.5, D&D 4E, 5E, Pathfinder, D&D Next, or any other role-playing game.theangrygm.com
It's his Option 1: Angry's Awesome Inspiration System. (Setting the name aside, it works pretty well...)