I think we're mostly on the same page as well. I agree with everything in your most recent post, but it doesn't really address my confusion with regard to your position, which stems from this quote:
you don't get to separate them, the catch applies to both toughness and regen.
Not entirely true. See stacked catches.
We're all in agreement that a Stacked Catch (which specifically relates to Physical Immunity) can be entirely separate from the catch for Toughness/Recovery. But I don't believe Discipol was referring to Physical Immunity here, he was talking about the Toughness (the sub-power) and Recovery, which are indeed lumped together for the purposes of Catches. So I guess I'm puzzled why you think his statement was not entirely true.
Exactly, that's one obvious example of separate catches. It's also the only way you gain the refresh rebate of multiple catches. Stacked catches which negate each other are, of course, "strongly discouraged".
Again, I'm puzzled by your response here, because a Stacked Catch with Physical Immunity is the
only example of a separate catch amongst Toughness-category powers. It's certainly not the only example of
multiple Catches, but it's the only case where a Catch doesn't have to apply to the other Toughness powers. In other words, someone with Inhuman Toughness and Inhuman Recovery could specify both a Catch of "inherited silver" and a Catch of "holy objects," but that would mean that both Catches would apply equally to both powers. He couldn't specify that "inherited silver" is the Catch for his Inhuman Toughness while "holy objects" is the Catch for Inhuman Recovery, the way he could if he were taking Physical Immunity and Inhuman Recovery.
So I guess my question is this: do you believe that it's possible to have separate, distinct Catches for Inhuman Toughness and Inhuman Recovery? It's my understanding that this isn't just "not recommended," but is actually not possible given the RAW. That was the point being debated in this thread, as I perceived it. We aren't in disagreement about rebates, Physical Immunity, or Stacked Catches.