The problem is figuring out what "whispers" were actually "whispers" from something outside, and which are simply a writer's way of reminding us of/emphasizing a point for dramatic purpose. Jim has opened a can of worms. Now we have to analyze every time Harry talks to himself in 3rd person.

And what constitutes the fulfillment of a death curse? Remember Malcom telling Harry that everyone dies alone. So, was the death curse actually part of what pushed Harry to it, or simply an ill-conceived intent on the part of a dying wizard (meaning "well duh, everyone dies alone", and having no real part in it? Maybe Jim just considers the curse resolved, but it was essentially a waste of effort on the part of Grevane.

Or, was the shadow that whispered in his ear actually the embodiment of the death curse, as directed by one of the Fallen? Kind of like using a radio carrier wave to carry an actual message?

We know, from Margaret's example, that death curses aren't simply just a nuke of last gasp power. They can get pretty creative.

Some very interesting speculation. Time to go back and reread again.

Its possible that Fitz hasn't started changing, but will at any time now. Its also possible that he has been changing for a while now, but wasn't with Baldy long enough to have gone through a full moon cycle.

IIRC, MacFinn said his curse kicked in while he was fighting in Vietnam.