In Daggerfall spells cost less and less points the higher you train the respective magic school skill. At 95 almost all spells with a single effect already cost only 5 points.
For Morrowind it's a matter of choice which non-official mods to use, my (carefully informed about and selected) choice of those I always use is:
Balmora Apartment
IndyBank v2.4
Mr Big (big money stash merchant in Balmora, for easier selling of expensive / lots of stuff)
Rings of Roan v1.0 (some very strong, useful rings to buy, might be seen as close to cheat by some)
And of course all of those official ones from Bethesda, except Entertainers.
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