Spoiler: On the mechanics/fiction relationship
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There are roughly three degrees to which an IC action can be linked to a mechanical action.
Hard-Linked: The characters' IC understanding of the action matches the mechanics fairly closely.
Example: Wizard spellcasting. Because Wizards trade spells, they'd know about things like spell names, spell levels, spells/day, even CL. Their terminology for it might be different, but if you asked a Wizard IC what they were doing, they might say something equivalent to "I'm casting a Lightning Bolt. It's a spell of the third circle, and with this one expended I only have one more prepared today. As a mage of the upper 5th circle, my Lightning Bolt is twice as potent as someone who'd just reached the ability to cast it." Also Exalted 2E, where pretty much all the mechanics were IC terminology as well.
Soft-Linked: The character is intentionally using the action, and knows conceptually what it does, but their understanding may not match how the mechanics actually function. Also, the character may sometimes try to use the action when it's mechanically impossible and not know that there was no chance of success, only that it didn't succeed in that instance.
Example: Many 4E classes use this, but also some 3E classes. Sorcerer, for example, is hard-linked if and only if Sorcerers IC know that:
* They have an exact number of slots/day, and different levels of slot.
* They know a set of distinct spells, and are casting a particular spell which will always have a specific effect.
* Their caster level affects how potent the spells will be in precise ways.
If they think of themselves more like sorcerers as depicted in other fantasy material, where it's "I let the magic flow through me and see what happens. I have a limit of endurance, but I don't know exactly how far I can push it." then they are in fact soft-linked. Cleric and Druid may be soft-linked too, depending on how they think of their magic working IC.
Unlinked: The action is made entirely on the player's side. The character doesn't even necessarily know that it happened.
Example: Fate points (in Fate system). When the player spends a FP to invoke their "Friends in unlikely places" aspect so that a biker gang shows up and chases away the vampire that was about to drain them, the character thinks that was just a lucky coincidence.
Crusader is fairly hard-linked, IMO. Opportunities arise randomly in battle, they take advantage of them, and then different ones arise soon after. Plus, divine power is pretty much an excuse for things working any way at all.
Swordsage and Warblade are a bit more soft-linked, in that the "limited opportunities" reason doesn't match that well with preparing maneuvers ahead of time. I think they could be more hard-linked with a slight change - instead of preparing specific maneuvers, they just get the opportunity for that number of maneuvers before needing to size up the situation again (ie. refresh maneuvers). A given maneuver could still just be usable 1/refresh, so it's mainly that they don't pick in advance.
Although again, unless Clerics and Druids admit IC that many of their spells are functionally identical to Wizard spells and work in almost exactly the same way, they're equally soft-linked as any Bo9S classes are.