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I was using the Mighty Magick mod, though, which makes magic ridiculously overpowered and thus I could create custom spells like that for very cheap and very little magicka use.
Fearful Flames. Time realease fire spell, with fear lasting its entire duration. Just watch the enemy run away on fire anytime they get close to me.
Freeze: Paralysis/frost damage, basically a classic.
Touch of Mad Rage: Frenzy+Str increase+ damage health over time. best used when in 100% chameleon so you can just watch the fun.
Living Fear spells: Fear+Summon, bring your enemies fears to life!
(name needed):command humanoid+100%chameleon on target, inspiration is turning target into invisible stalker for you.
Curse of Betrayal: Command humanoid+health damage over time+ reflect dmage (special circumstances for acess to effect)
Cesar Milan's Touch: Command creature (you knew by name this would be part of it)+ summon clanfear+ str increase.
Ranged spells:
Frost Giant's Breath: aoe frost damage with a 1 sec paralysis added in. Huge wave of frost that knocks enemies off feet.
Flames of chaos: a 10 aoe or so fireball, that also frenzies.
Deathmark: weak light effect on target, with weakness to all elements and magicka (all depends on how much you want to invest in on in)
Paladin's Light: light+time release fire+turn undead, a pure anti undead spell.
Eletromagnetic Bolt: Lightning damage+burden+ str or spd drain if strong enough of mage.
4 different type of Berzerker Rage (Archery/Blade/Blunt/Hand-to-Hand) : Fortify Strentgh and Fortify Archery/Blade/Blunt/Hand-to-Hand for X seconds. This has been my favorite to juggle around with as I got better at Restoration. Who doesn't like a good ol buff?
Cure All - Cure Disease/Poison/Paralysis on self. Dispel 25pts on self. No more Cure Disease potion ever.
Night's Edge : Night's Eye for 120 seconds. Detect Life at 100ft for 120 seconds. A combo of 2 schools. Perfect for dark dungeon delving. I still use the single night-eye/detect life spell on certain occasion, but this combo's mostly what I use.
Haste - Fortify Speed X for XX seconds. GOTTA GO FAST.
Blessings of the Nines - Cure Disease/Poison/Paralysis on touch. Restore 25pts of life and stam. A spell I made exclusively for the master Speechcraft quest: speak to all beggars. Every beggar in Oblivion have diseases. As a Knight of the Nine, it's my duty to baptize the heathens.
Dragonhide - 100% Shield on self for 60 seconds. Better than Skyrim's.
I think Luck might affect lockpicking since Luck affects everything you do, but Luck doesn't affect loot in the manner you suggest.
All loot, being from a chest or on an NPC is determined at the moment you enter the area. If you save your game before opening a chest, then open it to reveal the contents and then reload your save to reopen it, the items will be the same.
If you save your game before entering a zone, then enter and open a chest then reload your save the items will be different. This is a good way to obtain an expensive item to sell in the beginning of the game or to find a specific item you are looking for.
Some people believe that increasing your Luck before entering a zone will affect the contents of the entire dungeon, but it is unlikely and impossible to prove. I tried it myself for a long time and never noticed a difference.
-Drain Health every second on Touch.
-Lasts 3 seconds.
-Costs 27 mana.
Typically, I enjoy making a nice weakness to an element spell that lasts as long as the elemental effect on target. Keeps me from having to get too close and just plug away with my bow. Though I won't use any OP mods as I prefer a challenge and even now am getting very little other than enemies health increasing (which just means they take longer for the inevitable) even though i have currently the highest available wepons.