We're at the 12 Refresh level in our game now, having started from 8 Refresh. Speaking for Duba:
5:Conviction, Discipline (because for some reason, monsters are drawn to areas with few defenders/high value).
4:Endurance, Lore
3:Performance, Craftsmanship, Contacts
2: Alertness, Athletics, Scholarship, Weapons
1: Resources, Empathy, Presence, Deceit, Guns
Evocation, Thaumaturgy, The Sight, Two levels of Refinement (Power and Control applies to Water and Earth each), Stunt: Inexhaustible Strength, Soulfire as an IoP (-1) equals 11 Refresh. Has Chloromancy as his Thaum theme.
Not a specialist but a dangerous generalist. Two Water rotes a la Warden Carlos, an Earth attack (lightning) and another for Maneuvers ("Malgravitas!"). Three guesses what the last one does.
He's as competent and dangerous as he can be without power-gaming it.