Forget everything about the metaphysical part of the Laws for a moment and think about it this way;

1) Invading minds is forcing yourself into a person's most intimate parts without consent. Getting information from someone forcibly is like beating them up until they tell you. Changing people's minds forcibly is like lobotomizing them or doing shock therapy until you get the desired outcome.
1b) Believing that rape, torture and mutilation makes you what you are (wizard or otherwise) means you're dangerously, undeniably insane. Lawbreaker ahoy.


2) Transforming someone into less than human (such as a pig ala Circe) by force means a) they no longer have usable hands or upright position, b) they no longer have free will, c) they no longer are intelligent at the same level since they don't have a human brain.
2b) Believing that slavery and mutilation makes you what you are (wizard or otherwise) means you're dangerously, undeniably insane. Lawbreaker ahoy.


3)

if you agree that the rules hamper the fun of playing a wizard

Nope. The rules say that if you are a dangerous, undeniably insane guy with access to the equivalent of high explosives or worse and like to use them one of the following applies;
a) You've become dangerously insane on some level. If your stability of personality and free will (refresh) was not good to begin with (only had 1 point left) then you lose it and become a monster.
b) Dude, you're dangerously insane and have access to high explosives that cannot be taken from you. Even if you didn't degenerate into a total monster, the wizard secret police (and any police) will totally try to shorten you by a head.

3b) If you're having fun lobotomizing, mutilating and raping people, then chances are you already have Lawbreaker and don't know it. Better add it to your sheet - you might as well get the benefits along with all the negatives you have anyway.


4) Dresden is insane at some level. He recognizes it himself. It is even metaphysically confirmed multiple times in the series. That's not only because he broke some Laws but it did play a part. A big one.

The immunity power on the Wiki is way overpriced. The standard immunity assumes that an effective +8 to defense rolls makes you immune against someone with equal skill because they are never going to hit you. Then, with defense bonuses costing 1 refresh per overall +1 bonus, assigns Physical Immunity a base cost of 8 refresh. I'd call that a fair pricing, given the catch and it being limited to only stress and a single type of stress at that.


Compare with someone having Mythic Speed, a "Monk Training" stunt/power giving +2 to athletics defense when unencumbered, and an "Elusive Target" stunt/power allowing them to always use Athletics as their defense skill. That's 8 refresh for +5 to defense, +8 when sprinting. Your chance to hit them with a normal attack is what, one in eighty?
It's less powerful than outright immunity because sufficient FP and Aspects (or really high Control for magic) could overcome the difference BUT it applies to maneuvers and blocks as well as stress and it has no Catch -  a Knight of the Cross will still have to deal with your defense bonus while you pound him.

If a creature is immune to fire, then it will be immune to all types of fire. That doesn't make it immune to a car or jet plane falling on it though - even though the car and jet plane are propelled by burning fuel. Neither will it be immune to firearms, even though firearms burn propellant to launch their bullets. The same applies to magic. If something is immune to just magic, it won't be immune to any projectile thrown by magic or other indirect applications.


Also, Physical Immunity only applies to stress and consequences for a base cost of 8 refresh. There is no power in the RPG to make something immune to maneuvers and blocks - so a wizard could bind a creature up with magic then cut its throat with a knife.
That's exactly what Wardens usually do to warlocks BTW - and it doesn't even violate the Laws.

"I Declare there is a ground beneath his feet, then I use Earthstomp to have the ground eat him."

There's a reason Morgan with his Earth magic got within striking distance of the Red King himself in the big fight with the Red Court (not counting the one in Chichen Itza). And by the time you can pull off 8+ shift evocations, you can always find large stuff to throw at an enemy. Cars, trucks, walls, small houses, bridges and so on and so forth.
From what we've seen in the books, Earth magic is the go-to for immunity negation, Fire is the go-to for blasting dark entities and spirits, Water is the go-to for not being affected by running water and stuff and Air and Spirit are the generalist schools.


PS:
A tank would be around weapon 12. Those things weigh 60 tons. Weapon 9 is a medium truck or a large wrecking ball.

@Taran:
Yes, but whether an attack is magic or not would be part of the narrative, too. Though Lore and Alertness (and any other knowledge skill) allows for declarations without spending Fate Points or actions anyway so there isn't an issue if you do it your way.

@Sanctaphrax:
1 refresh doesn't add +1 weapon rating. It adds +1 shift of power. This will be usable in anything you do with it, like maneuvers, blocks, extra power for extending effects and so on and so forth.
As for the first refresh, it is weaker than guns and far, far weaker than the other suggested version.
2 refresh make it about on par with Breath Weapon - same damage/attack, longer-ranged but no useful maneuvers yet.
5 refresh and it becomes better than guns in damage and also provides maneuvers and blocks.
9 refresh and it allows Power 7 Control 7 evocation with unlimited uses.
18 refresh and it allows Power 12 Control 12 evocation with unlimited uses, assuming Fantastic skills.


I think it balances out fairly well at all refresh levels for what it does.


PS:
After we're done with adjusting the pricing, could you add it to the custom powers list?

Untrue. Only the sorcerer template has such a limitation - the Refinement power itself doesn't. If you're a faerie sorceress with Evocation + Unseelie Magic for example, you could take enough Refinements to be able to kill Lords of the Outer Dark without being a wizard. Or if you're a warlock that simply never trained in Thaumaturgy because you didn't have any teachers, you can still take enough Refinements to outclass Harry Dresden in fire magic. And Scions, Changelings and Emissaries have no hard limits on what powers they can have beyond what their origin would allow flavor-wise.

If the wizard wants a strong defense spell though, they'd need two mental boxes filled (one to cast, one to extend) and would be left with even less power in a prolonged conflict. And without being able to keep defenses up from previous scenes, they could easily fall to an ambush or someone fast enough to act first and flatten them before their defense was up.

Those possibilities is something this ability would also negate. What would it cost in Refresh to still get a defense (and a big one) in an ambush, or to always have block 12 and armor 6 and veil 12 on?

@vultur:
The Cloud Giant example is Norse Jotunn. Those guys picked fights with gods and while they usually lost, they weren't pansies. Thus the ability to move like the wind, rip off vault doors with one hand and tank hits that might sink battleships. The DnD knockoff is only marginally stronger than an elephant and will die if you hit it with enough arrows. Plus, I wanted to be able to play a half-giant with human form if a 20-refresh game ever started thus this build. A full-up Cloud Giant would have also had Greater Glamours to represent nonviolent weather control and Cloudpath - a reflavored "Wings" ability to allow him to walk on air and some more powers/stunts put into magic resistance.

Maybe a [-2] power for the first level, then [-1] for each subsequent level.

See breath weapon, incite emotion and variations thereof. For balance purposes, your at-will magic shouldn't cost any less than them for the same effect. And if it doesn't, why are you homebrewing instead of using existing mechanics?

Mythic Toughness against magic only with just one Refresh

When a spellcaster is putting pennies through your left eye with earth/air magic or icicles with variations of water/fire magic, your defenses against magic aren't going to help you. When a spellcaster is lobotomizing you with a pinpoint spirit attack, no amount of physical toughness is going to help.

going from spell tolerance 3 to spell tolerance 5 might actually be overpriced under that model.

Assume full caster at your EtA game level of refresh since we're talking +5 specializations;
[-3] Evocation
[-4] Soulfire
[-10] Refinement
Evo Specs: +1 control +2 tolerance for earth, +3 power +4 control +5 tolerance for spirit
Foci: +5 offensive spirit control, +5 offensive spirit power

Cost of "Tolerance" over his basic powerset: 2,5 refresh. Let's see what he can do with it;
1) Holy blasts that also degrade toughness at weapon 5, accuracy +15 at will, courtesy of Soulfire.
2) Lobotomies at weapon 5, accuracy +15 at will. Not quite instant mental evisceration but close.
3) Thrown objects at weapon 5, accuracy +15 at will. For when you need to ignore magic immunity and don't want to lobotomize people.
3) Always-on veils of strength 5. Perma-invisibility against anyone without superb senses is fun.
4) Arbitrarily high bonuses. He makes a sticky aspect at 5 shifts with spirit magic, then uses the "extend spell" option of evocation on it so it lasts until tagged at later scenes.
5) Make any skill replacements he can justify via spirit so his minimum roll for just about anything is +5
6) Summon lesser spirits at will. Never underestimate the capability of several dozen single-refresh Little Folk to kill stuff.
7) Conjure objects at will. This one is courtesy of Soulfire.



Hey, I'd totally pay 2,5 refresh over my caster's normal costs for the above. It beats getting Breath Weapon for 2 refresh who is going to give me a Weapon 2 accuracy +6 physical ranged attack at best.