Heretic was really just for the 100 starting wizards .-.

The only reason kingdoms are running these UD/AV/OR banks is because flogger said it was a good idea and there wasn't anyone around who was willing to tell him he was wrong. Then it became a trend. The risk of core hits from static def is a ridiculous thing to choose to expose yourself to. You can't just take his ideas straight to the bank; they need to be filtered.