Well, allow me to introduce you to Marcus of Tytalus... I haven't really played him, yet. He's ~30 years pg (with 40 xp/year not 30 xp per RAW, and learning spells as per the chargen rules.) He has PoF at 5, BoAF ad 5 and Wall of Living Wood at 4, but he also has Flawless magic so that only cost him ~100 xp, not 200 it would for another character without that virtue.