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How do I explain stress to a d20 crowd?
One of the best pieces of simulation explanation I've found is that "Stress doesn't measure your capacity to be hurt, it's your capacity to avoid being hurt." Actually being hurt is what consequences are for.
Impact of allowing characters to change their main casting stat
In general, any house rule that lets players have more choices is going to be seized upon by min-maxers. As such things go, this doesn't feel too bad. A character who was going to be broken with this change probably would have been anyway.