Urnoev: First of all, magical spells are not restricted to the servants of a god, [...]
bushwhacker2k: I'm not totally certain of this (since I don't think it's stated outright) but I think magic (even rune magic) IS supposed to be restricted to what kind of magic you're learning. Fire Mages only use Fire Magic, Water Mages only use Ice Magic and the Brotherhood Gurus only use the runes they have. I think you're an exception. (This is totally speculation though since, like I said, I haven't seen anything stated outright)
I'm not certain either. As you've said, it isn't specifically mentioned anywhere and since the nameless hero is free to choose as he wishes anyway, it is difficult to say for sure. I mean, he actually goes from Fire Mage, to Water Mage, to Dark Mage in the first Gothic.
This is mostly my interpretation of the situation, from what I have seen in the game. I'd like to add, that there is a distinct difference between Gothic, Gothic II and Gothic 3 regarding this, every game is a bit different. In a way, there is a progression from relatively clear restriction to nearly complete freedom. In Gothic, spells are very restricted to the specific groups, as far as learning them goes, you can learn the brotherhood spells, as you've mentioned, only in their camp; they also seem to be uses mostly there. However, we do see how Water Mages experiment with fire/fire ball in the New Camp, so there is that. In Gothic II, you can only really join the Fire Mages, and there you find different teachers for different schools of magic. One for the ordinary fire-based spells, one for bolts and thunder, one for conjuring. You cannot become a Water or Dark Mage, yet you can learn the water magic from the Water Mages later on and with the add-on you can even use runes with dark magic as a Fire Mage. Which is all semi-relevant, since the nameless hero is supposed to be able to do that. But we also specifically see Water Mages use fire balls when in combat, and it would be odd for a Fire Mage to teach conjuring spells, if they'd be restricted to servants of Beliar.
In Gothic 3 you don't really join a guild at all, and spells are learned at shrines instead of teachers. Well, I think this is a bit more rambling than clearly written out thoughts, but it is a vague topic.
Urnoev: NPCs can't cast the most powerful spells of any one of the three gods, [...]
bushwhacker2k: A very interesting claim! I'd be very interested to see your source for where it is stated that NPCs can't use powerful magic because the gods won't let them.
I didn't say they can't use it because the gods won't let them, but rather that they are given to the nameless hero specifically for his quest. Which would mean they aren't known by most mages anyway. We are also not talking about powerful magic, but the most powerful magic each god has to offer. When you choose a god, he will tell you what to do in his name and grant you additional power of your choice, while also granting you the option to learn this magic.
Still, this is of course speculation, in an attempt to answer the question posed by the original poster.
Urnoev: Now, I'll freely admit that most of these are simply explanations for some wonky game mechanics. Orcs really shouldn't use Ice Lance, but the do from a gameplay perspective, so this explanation serves to explain it well enough. The some goes for the other stuff, too. All in all I prefer the way things where in the first two games, when you were clearly supposed to be Innos' servant, or at least to destroy an evil demon/incarnation of Beliar.
bushwhacker2k: (I hope I'm not coming across as nitpicky) You aren't technically regarded as a servant of Innos, the Water Mages specifically regard you as a chosen of Adanos if I'm not mistaken.
In Gothic the concept of the chosen one isn't that spelled out, you're mostly just a guy trying to escape the colony and destroy the Sleeper in the process. Since the Sleeper is a Demon and connected to Beliar, I think it is fair to say that the nameless hero is strongly linked to Innos.
In Gothic II it is really clear-cut, you are the chosen one of Innos, fighting against Beliar's servant/incarnation/Undead Dragon. Xardas often tells you how special you are, the Fire Mages acknowledge your position after a while, as do the Water Mages. However, the Water Mages never call you the chosen one of Adanos, but rather the 'decider' or 'chosen one' in a more general sense. This is a bit difficult for me to say tough, since I've only ever played the game in the original German language.
In any case, the final confrontation/conversation with the endboss, the Undead Dragon, reveals clearly that this is a fight between Innos and Beliar. He even mocks you for being the best Innos has to offer, and so on.
In a way this makes more sense to me than the system in Gothic 3. Beliar is clearly "evil" and Innos clearly "good", though neither are entirely good or bad, really. Adanos isn't very well defined, he is the balance between the two and you can never directly talk to him, or anything.