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I've got some good news for you then! https://twitter.com/mikemearls/status/1021493084536881159

I think this is part (specifically the part that I bolded) where your argument breaks away from what the rules actually mean. " You determine what spells you know and can prepare for each class individually, as if you were a single-classed member of that class" means, in this case, you prepare...

(edit: had some weirdness with my wifi and ended up double-posting)

"These junior lighters, they can be real clumsy y'know? All sorts'a stuff could get lit on accident: bushes, haybales, shops... mages..."

It's a neat idea! I don't think it would be too strong, if anything it's probably weaker than choosing a terrain since you're essentially put at the mercy of the DM in terms of what spells you have access to. If I were to implement it, I'd probably say that your active terrain only changes when...

Abjuration Wizard gets it at 14th level, it's a racial feature for Yuan-ti. Pseudodragons ans Quasits (also possibly other monsters, I'm not sure) have variant rules where they can choose to serve as a familiar, and they then share their Magic Resistance with their master if they're within 10 feet.