I've got a player running an Egyptian Temple Cat, in the spirit of Mouse. Not a were; just a supernaturally intelligent animal. He's been looking at the Human Form (+1, i.e. "disadvantage") and noting that it really is a major positive, too. Sure, you don't get all your powers all the time, but you get to be *human*, which makes a huge difference in the social game. Cats aren't really known for their skill at the negotiating table, no matter *how* friendly they are. And it's a little odd that a were, with the ability to effectively move between worlds and talk (and have *thumbs*!) is actually *cheaper* than an animal. Hm.
On the other hand, neither of is quite convinced that *lack* of human form is necessary worth +1 refresh either... and yet he really is at a noticable (if entertaining) disadvantage. He's already got the "Temple Cat" high concept which will be getting tagged a lot for the inconveniences of being an animal, so there's a fate point
boost here, but he's also physically incapable of doing a lot of the default activities. (Driving, for example; thank goodness we're in New York, where even animals can ride the subway.) It's a fun schtick, and I'm not completely crippling him (as with Mouse, there's a general assumption that he can get across surprisingly complex concepts with body language) but the unacknowledged handicap does feel a little odd.
So... what would you folks do, if anything, to make giving up thumbs and a voice feel balanced?