First of all, where do you get the spellcasting rotes and items from? I don't see any spellcasting there at all.
By mistake. I was trying to write two versions and got my copy & paste mixed up.
Secondly, -26 refresh isn't that terrifying in the grand scale of things.
Depends how you scale things.
The OW stats have the Faerie Ladies at about -15 and the Senior Council at -16 to -19. But since Harry is about that powerful as of SmF (given the advancement listed in his writeup he should be -15 as of end of SmF) this is not right. I say about -21 for Luccio, Senior Council is ... I think, -28 to -32 (I ought to post those sometime...). Black Court elders are, IMO, about Senior Council level - so -26 for "low end" Elder seems about right to me.
Harry Dresden was -18 pre-Changes and around -30 once he took up the mantle.
That seems high.
OW lists 6 major milestones for him up to SmF; TC ought to count as one. Since he started Submerged, he's at 17 base refresh pre-Changes; he usually stays with just one free refresh, according to the same writeup, so he's -16 pre-Changes.
Winter Knight's "musts" are Marked By Power and Unseelie Magic
; since Harry already has full Evocation and Thaumaturgy, that adds up to -3 more. But he also gets a physical boost: I'd say Inhuman Speed and Toughness [with a +1 Catch], for -3 more. -1, also, for So, -23. If he got a full suite of Inhumans (which I don't recall evidence of), -27, but I couldn't push it past that.
And I don't think a Black Court Elder would be utterly out of 's league. -23 for him vs. -26 for the "low-end" Elder, again, sounds right.
If you have the Senior Council at -40 or more, though, you'll want the "low end" Elder in the mid-30s. Again, depends how you scale things.
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Actually he probably has at least superhuman strength after taking the mantle. Remember he was actually wrestling and winning against the Red King before the finger icicles of death. Hmm this also could have been judious uses of a couple fate points.