heh, sorry for causing the headaches, as that wasn't my intent. But here's where I'm reading things so far:
Monsters (non-sentient): Minimal or no Fate Points, perhaps something that shows the limited nature of a creature vs. a sentient (even if they are without free will) being.
Sentient NPC with Negative Refresh: A sentient being that is driven by basic nature instead of choices that make variation. Could be a low powered person that has reached too far without proper self-awareness, or a high powered person that has sold their soul for cosmic power.
Sentient NPC with Positive Refresh (or a PC): A person that has the ability to go beyond basic nature and more easily affect their world, at the cost of taking the slow route in developing their strengths. Can be a normal mortal person or a powerful being that has chosen to maintain balance in what they can do and who they are.
Sound about right?
And I agree on the not getting any Fate at the start, I'm just wondering if there's any functional difference then between 0 and -20. Both would get no refresh at the start, but there doesn't seem to be any other penalty the further down you go.
EDIT: (addendum) With all that's been discussed, to people see negative Refresh as any sort of roleplay guideline? Original WoD had a number of "Humanity" scales across their titles, but here Refresh does not seem to be about "Good & Evil" as much as it has to do with "Nature vs. Choice".