It seems to me that the best method of including area attacks is to include it as a casting option on the various bolt spells (and no, Arcane Bolt , a Universal spell, does NOT get an area attack option)
For example, for Infernal Bolt, the area attack option will be an Infernal Ball attack (+10 CTN total, +3 SP total) and it is resolved as follows:
If the casting option, Infernal Ball, is used, the attack may be used to hit a specific person or to hit a location. If used to hit a location, the caster will have to attack the location and beat a DEF of 15, total damage will be figured from there. All who are within the radius of the spell when it hits are automatically hit, but they may make a Saving Throw vs. Dex (TN 15), with success meaning that they take half damage from the attack. A character's Armor Rating (AR) may then be applied against the remaining damage. In this sort of attack, a shield's bonus to DEF is counted as additional AR.
If the ball attack targets a specific person, the attack will be against the target's DEF and he will not get a Save for half damage. All others within the radius of the attack will be treated as if the attack were against a specific location (this uses the same roll as against the targeted person, the total damage is simply figured separately.
And don't forget, the casting roll and the actual attack roll are not two separate rolls, but only a single roll read in two different way..
In other words the CTN of an Infernal Ball is 27 and costs 4 SP.
If the caster has 10 ranks in Spellcasting and a stat bonus of +3, that gives him a total casting bonus of +13.
If the caster targets a location, and say he rolls a 16 on the dice, that gives him a total roll of 29. Successfully casting the spell.
In attacking a location (DEF 15), he easily hits and deals 7 points of Base Damage, and 14 points of scaled damage for a total of 21 points. Those that make their save vs. Dex will only take 11 points of damage (before AR is figured in).
In attacking a specific target (who has a DEF of 22), the target takes 7 hits of Base Damage and 7 hits of Scaled damage, 14 hits of damage in total without any Save vs. Dex, and everybody else within the radius will take 21 hits of damage (11 if they Save) before AR kicks in (figured as above).
Thoughts? Comments?