Micah Sweet
Level Up & OSR Enthusiast
1. I like 14 personally, and make spells higher than 5th rituals that are expensive, rare and time-consuming for all classes.1. How high? Level 10? 6? Where do you cut off game play to serve versimillitude
2. Every player in the world then is going to farm aarakroca to get free returning javelins that do +1d4 damage. They are only CR 1/2 creatures, after all. Then I will hunt down the hobgoblin's fey sword for that sweet 2d10 damage.
3. They are treated like specialists. The stat block is just not announcing that "this monster is using a specialized skill that PCs can't use".
Versimillitude is all well and good until you're building monsters with 8 HD, 5 levels of fighter (complete with skill points and feats every 3 HD) and magical gear fit for a 5th level NPC (+1 weapon, +1 armor, +1 cloak, etc) to make them a challenge.
2. Yup, That doesn't bother me.
3. I see no reason by any metric I care about that a humanoid creature (dictionary definition, not WotC definition) can have an ability like that PCs can't possibly learn, nor do I accept that the entire warrior contingent of the entire species of hobgoblins are "specialists" in any meaning of the word that makes sense to me.
You want a high challenge humanoid opponent? Make them, at least in broad strokes and concept, like a PC. Otherwise, use monsters.