Throwing my two cents into the ring here, I feel like Muto should sorta work as follows:
Muto changes something in an unnatural way, such as turning a man into stone or gravel into water.
If you were to turn a single rock into water (equal size not mass), which you collect into a bucket, then pour the rock into a mold, these are all mundane processes akin to shaping clay or lighting a fire. The stone would fill the mold and then when the spell ends turn back into stone, whatever water was missed would turn back into some portion of the stone (of equal size to its time as water) outside the mold in its new shape. If the stone was turned into water and evaporated, you would be left with basically dust or sand as the stone cannot put itself back together. If you left the stone-turned-water as a puddle, unacted upon by any force (aka gravity, wind, etc) and a single whole, it would turn back into a stone in its current shape. This is how the spell that turns rock into clay would work. If you scooped off a chunk of clay, it would not magically move back onto the original rock.
But what if we changed something a bit more complex, such as a knight? A knights essential nature is that of a human, with a certain configuration and body plan and gender (bleh) and such. If I cast a spell to turn a human into stone (MuCo(Te)) in the shape of a pebble, this is violating his essential nature when the spell ends. Just like being a frog or mouse, he would turn back into a human, suffering wounds anytime the pebble was chipped or cracked. If I turned him into a stone statue in his likeness though, his shape has been untouched by magic. If I then broke off his arm, and then ended the spell, he'd be missing an arm, plain and simple. Muto has not affected his form, just like the viscid clay spell does not affect the rocks shape. If I were to turn him into a puddle of water and then separate a portion, that portion taken is akin to a wound, and while, unlike stone which has no specific shape it wants to return to, he could potentially turn back into a man (one laying in a weird position) from puddleification, that separated part would translate to a lost arm or a major gut wound or something. If I evaporated the puddle, Id get human mist.
So what of multiple to one or vice versa? Gravel poured in a bucket would mingle as gravel, and when you turn it into water the crushed stones would mingle terribly. Give the bucket a shake and undo, bam, a rock in a bucket. Turning a man into a pile of nametags though would likely require a creo requisite I feel, maybe a finesse roll. If said notecards were all taken home at the end of the day, they would reshape into neat little knight chunks (they would inflate and change shape because each nametag is an apporximation of a larger mass of flesh)
A whole kept together stays whole, a whole broken apart stays parts, the many turned into one stay together (if you mold clay together it becomes one hunk, why not water) (Verditius mages basically do this with their crafting from my understanding and it sticks around despite taking normally impossible shapes), the one turned many stays split apart unless still touching all parts.
This is all to say, turning a man into sand is a horrifying way to murder someone, and while a grog just dies when you shift about the sand and blend his human form, a magi should get some kinda resistance roll because they are magical, and because its more interesting and requires you to skip the easy way. So, keep being a good sodales, dont forget parma magica, and hope you arent murdered in one of a number of increasingly terrifying ways such as mixing you and another magi into a puddle and watching the resulting monstrosity form (or watching it turn back into two men hugging).
Opinions and suggestions welcome.