Man, got tired of dealing with tougher monsters in Booty Bay and environs, with only direct attacks/spells, decided to go to Free Haven, shop around for more powerful stuff.
That town/city is HUGE by rpg standards, in the sense that every building there has something inside of it. Joined the fire guild and went shopping in their store... Feeling like a kid in a candy shop... Ended up spending all my gold (around 20K total) on just 2 spells: Fireball and Incinerate. Fireball for obvious AoE, already enjoying blasting it, and then Incinerate for coolness points. My mage is already level 11 in Fire, so Incinerate does roughly 26-176 damage (101 average).