So... how do you guys handle NPC initiations? Or Companion initiations, for that matter?
Say, you want to generate an unGifted hedge magician, like a Learned Magician with 2 arts. Do you include the Arts in the starting Virtues, and that's it? Do you include them alongside the necessary Flaws? Do you generate unGifted magicians as ordinary people, and initiate them as if they acquired the initiation later in life?