That's a good point; as written, sub-cult magic is a 'free lunch' in everything aside from (the small matter of!) the HP cost of buying the 'extra' abilities themselves. A 'penalty' therein isn't necessarily unreasonable.
> OTOH, if you want to make them even closer in attraction, make the affinity
> just as broad as any other.
But that's already expressly possible (at least potentially). So if one were offered a choice between 'affinity' and 'stand-alone feat, for which you'll pay full affinity cost anyway', it's not a hard decision.
Another wrinkle might be to factor in both 'width' and 'nativeness' in the cost. For example, 1 HP for 1-feat affinities and 3 HP for full affinities for magic of cults you belong to, +1 HP for 'borrowed' magic, in either case.
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