"I'm also trying to avoid the "munchkin" scenario..."
I wouldn't bother trying to avoid it using rules. Munchkins are attracted to rules 'cause they give 'em something to manipulate which doesn't require any human interaction - hence their attraction to DnD for one thing.
If someone wants to spend their magical life yakking to to a rock, let 'em. Make sure they have decent reasons for all the abilities they pick up and you'll be laughing.
If the character concept makes sense it'll turn out okay.
As a side issue - I only let characters concentrate on a type of magic if they've been to the otherworld they wish to concentrate on. It's got nothing to do with their abilities as magical practitioners* but on how well they know the otherworld. So, ye average Heortling can concentrate on theist magic, a few exceptional ones can concentrate on animist and anyone who feels like being a rock hugger can concentrate on all common magic. Wizardry and spells tend to be right out though.
(*Although more highly practised practitioners will have been to the relevant otherworld to have got that good).
Cheers,
Ash
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