Even without Finesse it still hits. And I've been playing this entire time with Defence winning. Its how i've played all my games, and I only just recently learned that its not how it works. And I already spent a good hour looking into these rules. It seems that Spell Storing is instant, and mentions a Free Action. So I don't think its exactly a touch attack. After reading it carefully, I'm pretty sure it just hits. But I could be wrong.<br/><br/>Otherwise it all works out.