Please note this post was hurried and semi incomplete but I felt the need to do it before I went to bed.
-0 aging, bad smells, sweating, paper, getting drunk, seduction attempts
-1 fatigue (from endurance - not Stress), disease, poison, drowning, monkey wrenches (only monkey wrenches or other specific thing)
-2 falling, sleep, hunger, thirst
-3 metal weapons, claws, non metal weapons, an element ( fire, cold, electricity, explosions, pure force, wind, water, earth), distractions
-4 a type of magic, a type of creature
-5 magic, weapons, natural weapons, insanity
-6 immunity to attacks from a gender
-7 attacks from immortal beings or mortal beings
-8 immunity to attack from all but genderless beings
-13? physical or social or mental immunity (damage, insanity, distractions)
-20 two complete immunites listed above
- 30 immune to all three
Multiple immunities may be purchased by adding up hte costs. Example: immunity to Fire and cold would cost : -6 refresh. While an immunity to falling, drowning, fatigue and force attacks would cost -7.
Holy attacks bypass physical immunity unless an additional 2 refresh is spent.
Physical immunity must pick one item or quality (other than holy) that will bypass the resistance. This is considered a +0 catch. Example: (nicodemus - noose) etc.
Reasoning:
-0) shouldn't matter often mostly narrative
-1) annoyances or such attacks will happen rarely
-2) dangerous or important but usually isn't a big deal in most situations
-3) important or dangerous; could easily come up multiple times per session
-4) dangerous but specific
-5) dangerous, a broad group, or a common attack type
-6) broad category, will come up often if not every game
-7) broad category, will come up almost every game
-8) very broad categories, very dangerous or will come up every single game
-10 or more ) complete immunities, grants near godlike resilience, very hard to bypass nigh indestructible or unshakable
