Okay ... is the idea to make the Lycanthrope a more difficult character to play? I'm not grousing here, just trying to understand the rationale. As I understand it, Fate points are meant to be a proxy for the relative amount of free will a given character has, and the more power(refresh reducing mundane stunts or refresh reducing supernatural powers) a character starts with, the less free will he or she starts with. While not trying to reduce the game or character creation to a mathematical formula, the Lycanthrope seems to pay a pretty heavy price in free will, 60% of the starting stat, whereas somebody paying 80% gets a lot more flexibility in power availability: 100% available vs less than 20% available for 75% of the power.
As for other downsides, I get that a changeling, for example, has other costs to consider(silver allergy, supernatural contract enforcement, etc), but so does the Lycanthrope. After all, if his boss aggravates him at work, he might have to start paying fate points not to bash his skull in!