How often do you use fate points?  All the time, or do you save them up for a big throw-down?  Does it matter?  Do fate points generally get tossed around a lot?

Is it possible to play a feet in the water character in a submerged game, or would that character just be crushed the first time anyone looked at them?  I just ask because as a new gamer I'd like to start with a low-level character, but most people are interested in submerged or higher level games.  Is it possible where the other characters have a 10 refresh level, but the starting one has only 6, or is that too complex/too limiting, too hard to keep track of?

Can a player have more than one character, or is that recommended against?

Dang, I was hoping.  I thought it'd be funny to have a character that can absolutely NOT drive.  I relate.  I've totaled 3 cars in the last 2 years.

What do you mean a really strong dynamic?  The GM pretty much does most of the plot line, like an author, and the players (characters) have to figure it out?

So depending on your playing style, it's to your advantage to use maybe half your refresh points for powers, and half left over for fate points?  Also, I know the GM controls the NPCs, but does the GM ever have their own character?  Or is that sort of self serving?  Maybe take turns being GM so that the main GM can have a character too?

Ah!  That's what I kept missing!  So the GM sets the number of refresh points.  Is it the same for each character, or do different character have different refresh points based on level, or its up to the GM?  And the group as a whole gets more refresh points at every milestone?  So a low level of refresh points would make a more challenging game, and a high level would make an easier game, according to the GM?

I'm a total noob to pen and paper RPG games, I admit, so I have some questions.  I've been reading over the PDF version, but computer reading tends to make me skip lines, so I think I missed something...  So refresh points is when the characters renew themselves, and if the refresh is 0 or below, the character becomes a creature, following nature rather than free will?  But then why do all the stats in the books except some vanilla mortals have -# refresh points?  So people like Shiro and Harry are considered without freewill?  How do you ever get more refresh points if they're always in the negative?

WHAT AM I MISSING HERE???

Okay, any answers are appreciated.

Thanks