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3-Our house rule is you can only take a weaker caster cohorts, are built on 15 rather than 20 points and must generally be of the same race.
I think a lot of people overlook the fact that Cohorts are NPCs and should follow the Heroic NPC rules for character creation. That includes such things as a lower point buy, less starting equipment, and no traits without taking the Additional Traits feat.
If you really want to implement a house rule to discourage taking the feat, you could further limit it to non-heroic NPCs. You'd have even fewer points and only NPC classes. Even an Adept cohort is better than pretty much any other feat.