Nothing like listening to the audio-books again while geeking about two new DFRPG characters over the past couple weeks to make you connect the dots between game mechanics and the setting. Dresden hangs on to mental consequences a really long time because he hates going to his friends for therapy and can't afford a professional and Murphy really is bad at social conflict other than intimidation and is in a constant battle to keep her job because of it, a battle which she eventually loses. Murphy does end up in the hospital at times, and the Nightmare did a number on her mentally but neither were as hard on her as the political stuff, which she never really gets on top of until she changes her high concept.
If you think about it that SI punk who joined internal affairs was the one who defeated Murphy, where all the monsters in the Red Court could not. Transformed her as surely as the red court did Susan.
Physical...a scene with Butters (or more rarely a magical talent like Elaine) and you're good to go, you start healing. Although as Butters developed as a character, the price of a session with him is that he'll start pumping you for information, criticizing your life choices or being suspicious of you, which has risks of healing physical while inflicting other types of harm if you don't handle it right.
