I don't see a problem with manastones. If you really want to use one without any risk, just keep it equipped! With the "1 item from inventory" rule, players will have to set priorities and that's a challenging, positive side-effect!
"1 item from bags, but not from the main inventory slots" would cause a few problems. E.g. as a caster who just looted an awesome melee item which I cannot equip, I'll simply put it into a main inventory slot.
Melees (excluding Bards here) don't have to carry multiple weapon sets around - maybe you want to bring extra weapons for raids, but you'll have a raid force to protect you in that case. There are also quite a few NO DROP weapons which you might carry as alternative in your bags! This is, again, a question of priorities: saftey vs. power/flexibility.
Bard instruments are a different thing, that's correct. They need a different solution or exception.
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