At the moment I am rereading the entire series (for the oomphth time now...) and I get new character ideas about every 3-4 pages (and forget about most of them about half a page after that). One idea stuck with me though, when I read about organ donation in one book:
A guy, born with a weak heart muscle and no magical power, doctors had not much hope for him living too long. However, around his 12th birthday he finally receives a donor heart, from a white council wizard (though nobody knows it at the time). From that point on his recovery is miraculous, thanks to all the perks his heart brought with it (Wizards Constitution and the rest of the wizard kit).
To be honest, I don't have much more beyond that point about the character yet, but I really liked the idea of someone getting his powers from a donor organ, and I thought the heart was most fitting.

My idea for a fire-hand-attack would be this:
Make a rote spell for him to set his hand on fire. That way, he will not have to roll discipline to control the spell and it succeeds every time he casts it. Now normally he would still have to make a discipline roll to hit, but then you can just roll fists for that and you are good to go. Might need a stunt to switch from attacking with discipline to fists, if it is the only way he uses his magic.

Remember though: Fire conjured with magic is still fire. Using a new spell every exchange would be no problem I think, because the fist attack would just be his way of delivering the fire magic to his opponent, and that is that. If he wants it to stay on his hand longer than that, he would suffer the damage of his fire spell every exchange.

You could argue, that he has been training for a long time and is now immune to his own fire, at least on his hands. For that I would give him an immunity to fire on his hands. I would set the cost of this immunity to [-1], because it is really restricted and easily bypassed by anything that is not fire hitting his hands. Think of it as magical oven mitts.

As far as I understood, armor simply reduces the stress taken by any hit the armor applies to. So you would effectively have your dodge roll + armor against any attack.

1.
The best way to do this would indeed be aspects. you could roll guns to apply a "steady aim" aspect on yourself or discipline to apply "calm as the ocean" which you can tag to make the shot. To bypass armor altogether with an aspect though, I think you would have to spend a FATE point once you made an assessment on your opponent.

2.
Like I said before, the armor reduces the attack roll by its rating, nothing more, nothing less. So a wizard with armor:5 can still be hit by a weapon:2 pistol, if the shooter rolls an attack of 4 or better, resulting in an attack of 6. Granted, without dodging he would still only end up with 1 stress, but they can accumulate rather nicely if there are enough of them.

Plus: an armor:5 spell would be at least 10 shifts, which would mean the wizard would have to have a power of 10 on that element to only get 1 stress for casting it, more if his conviction + bonuses are less (for example: conviction+specialisation and foci at 8 would result in 3 mental stress. Any caster would think twice about using a spell like that too often.). Even then, he would have to cast it beforehand, not as a defense action, and even then it would only last 1 round, if he didn't spend more power to fuel it up after that. He would also have to match his control roll (a discipline roll for 10 shifts), and a character would have to be pretty darn powerfull to be able to pull this of without ever having to resort to backlash or fallout.

There is a difference between blocks and armor. First of all, to create an armor spell, the spellpower is divided by 2, while blocks always get the amount of power that is put into them. The key difference between block and armor though is the fact that a block is destroyed once it is surpassed while armor holds as long as it is powered up. In any case, you can simply tire your wizards out if they try to have the shield on at all times.

Look at Harry and the Flamethrower in DB. Harry was well known for his shield, so Mavra has her goons shoot burning napalm at him, and while he is able to hold back the physical component of the attack, the heat still burns his hand to a useless clump. They will not be able to shield themselves from anything someone can throw at them. You could work them from a completely different angle like trapping them instead of hurting them or blinding them temporarily, actions like that could not care less about a physical block.

3.
The armor subtracts stress from the attack by its powerlevel, just like any other armor. If the creature is hit with something that satisfies the catch, the armor doesn't count.

Somehow I am reminded of Gamma, if anyone knows him. He is an alien friend of Mickey Mouse and he has a pair of pants with the effect of a bag of holding. Anytime he needs something he is looking inside his pants pockets and gets out a whole lot of stuff, but it always takes him a while (and a comically large pile of junk) to find the right item. Could be a great way to compel it, if it is an aspect. And of course, if someone can macgyver the wrong item from the bag to work for them, it is bound to be a great scene 
"For my next trick... anvils!"

You can absolutely do that, in fact you can have the strongest caster of them lead the ritual and everyone of the rest put a AIDED BY XYZ aspect on the caster to reflect that.

I it is a praying circle you want to use as a block against an unholy intruder, take the conviction of the leader (probably a priest or some other kind of true believer) and use his conviction plus again the AIDED aspects to create a threshold. You could either work it as a thaumaturgy ritual, rolling a few times and be done once the threshold is established, or (probably more dramatic) as an evocation, having to refresh the block every few exchanges. If you want to create a safe environment out of a fight, go with the first, if you have a group of people you want to protect until help arrives or the help is there, but the enemy would still rather bash the innocent, go with the latter. Both times I would use conviction to create a block, the lasting one would use shifts to increase the duration, the short hand one would have to be set up once and be refreshed by casting it again while it is still up and running, putting all those shifts in duration.

You could always plot-devise him to death, but in my experience, players get used to that and start slacking on their preparation for a big fight. However, if you feel you underestimated the demons power, you can always make him disappear, maybe because the sun is coming up, any kind of magical threshhold would work. If on the other hand you feel your players are not well enough prepared to confront the demon, tell them, maybe directly out-of-character, maybe more subtle through a contact. When they finally fight it, they should be well prepared. And they outnumber it 6:1, I think they have a good enough shot at it.

Really great work, I have been waiting for something like this from the moment I made my first character. Thank you very much.

But:
The "Car Mechanic" stunt has the wrong description.

A little bit more flexibility when it comes to customised stunts/powers. If it is possible, you could create an interface, where you can input your own stunts/powers and they are saved and displayed with the other stunts/powers in the usual frame. That way you could even import/export those stunts/powers and share them.

Same goes for evocation/thaumaturgy specialisation, it would be great if you would add the option to put in a customised specialisation.

In the rote spells, there should be an option for [none] in the focus section, so you can unselect a focus from a rote.


Other than that, it is really well done, and those are minor things.

Thanks again

Ah, right, that is pretty much what I was looking for. Modular Abilities it is

Thank you