no no spawning. if you made your own personal spell there is no reason that every npc should have it. just that the high end characters should be able to have the same types of really kick ass spells you can make at the altar.
on a side note i really really really hate reflect anything spells. i wish they would get rid of them entirely.
Then together we agree. So Beth needs to make sure level scaling is right, and the leveled lists need to be good, and we need awesome premade spells.
As far as reflect spells, I think reflect spell makes sense. You see it in other lores, mages who can reflect a spell away. I'd like to see a chance that it hit the target, or just flys away though. I'd personally like to see a "shield" spell that is effectively blocking, it sustains as long as you hold the cast button and absorbs damage for you but takes magicka while its sustained and perhaps as it takes damage too. You could separate them into physical damage and magical damage for balance if you wanted. That would work well with the new dual wielding spell system I think.
As far as reflect phsycal damage? I could see it worked differently. I see it as you take the damage, then magically repeat the damage to your foe. Then you would need a healing spell attatched to heal your wounds, and since you still take damage you aren't invulnerable. I can see how you'd reflect a spell back to another mage, but how would you reflect a swords blow back to a swordsman?