I think Mortally Wounded sounds good at 4.
And I'd thought of the protection spell thing on my first read-through of the game, was hoping no one else would notice...
>.>
<.<
What about having your energy reserves provide some innate defense as well? If I get hit by a power level 12 spell, and have 12 energy hanging around, I can burn that energy to negate the effect of the spell on me? Incredibly expensive defense mechanism, so everyone would much rather use protection spells, but still.
Also, the "action time" thing makes sense to me.