That is all well and good, but lets say I play a caster under these rules, and combat happens... what do I do?
Do I just sit this one out? Do I take potshots at the ogre with my sling, dealing 1d4 dmg per round, while everyone else does 1d8 with their longsword each round? I can't escape the feeling that with these rules, you are the fifth wheel whenever any combat occurs. And I can't imagine that being a lot of fun.
And what happens if my character is attacked? I'm not proficient in wearing armor, and casting defensive spells takes too long. Do I just hide underneath a table while the other players have fun playing the game without me?
Why would anyone want to play a caster under these rules?