If the rule was "Any character without powers gain +2 refresh" then we would not be having this debate. The Changeling Template, with its ability to be made with 0 powers, would be the clear place to establish that - yet the book does not say that.
Let's compare the write ups. The first bits are identical.
Pure Mortal:
Minimum Refresh Cost: –0.
Changeling:
Minimum Refresh Cost: –0.
But the rest of the description is very different.
Pure Mortal:
Minimum Refresh Cost: –0. Instead, increase your starting refresh by 2 before taking any mortal stunts.
Changeling:
Minimum Refresh Cost: –0. The total cost for changelings depends entirely on how deeply your character has made the Choice at the start of play, and this will change over the course of the game—that’s the point.
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Notice anywhere in the Changeling write up that says: "And if they haven't picked up any powers yet they get +2 Refresh", because I don't.
Changelings are very conceptually different from "Pure mortals are ordinary (or mundanely extraordinary!) people who don’t have anything supernatural going on—save perhaps for the company they keep or the things they’ve seen." There is nothing ordinary about them. They have supernatural blood running through their veins. They have a supernatural heritage that they embrace at will. They are a
different template and thus do not gain the bonuses from another template - no more than a Pure Mortal can decide to gain Fae power 'just cause'.
They both have natural predispositions for trickery, they would both be small and quick (though not supernaturally so), they both have a relationship with the Fey, and could call on that for help. I would make them both "Pure Mortal"
Why would they both have a "natural predispositions for trickery" - when a character chooses mortality he gives up his Fae nature.
Why would they both be small? If embracing part of your Fae nature made you small (or turned your hair a watery green) then choosing mortality would revert it to its natural colour.
Why would both have relations to the Fey Courts? From Summer Knight:
"And until then I'm under the rule of the Court of my fae father. "
it is clear that once you choose mortality your ties to the court are broken - unless you (as a mortal) decide to reestablish them.
Please point out any part of the Pure Mortal Template that says "can, at any time, tap into supernatural powers".
Please point out any part of the Changeling Template that implies that they get a +2 for not having realised their supernatural potential.
Richard