Here is one that should definitely never be approved.
Item of Power total cost -1
Staff of Death +2 for being a walking stick sized staff. , Feeding dependency +1 , must use fire to "consume" living flesh
Evocation -3 +1 Power Fire from base specialization.
2 focus item slots are used on the staff itself for +2 to Offensive fire power
Refinement -1 +2 focus item slots[ for another +2 offensive fire power], +1 Control Fire, +1 Power Fire
Wizards constitution -0
Lawbreaker First -2
Physical immunity Always active, immunity to "Weapons"Adjusted cost -1 total cost -8
Stacked catch: Not a Weapon +2, Easy to come by +2, Can be researched +1 [+5]
The Catch: Obsidian +2, Can be researched +1 applies to all "toughness" powers. [+3]
"Combat Form" Adjusted cost -1 [-4 +1, +2=-1]
+2 human form, +1 left over from stacked catch applied to to recovery [+3], -4 Supernatural recovery
Human form +2
(Whenever xxx is attacked he involuntarily changes and gains Supernatural recovery)+1 base, +1 involuntary,
Supernatural recovery -4
4 Great [2] Discipline, Lore
3 Good [2] Conviction, Alertness
2 Fair [2] Endurance, Athletics
1 Average [2] Presence, Weaponry
total Refresh -5 so hes made at feet in the water level, with 6 refresh available and 20 skill points.
Summary
So hes completely immune to "weapons", that makes him invulnerable to bullets, swords and pretty much 99% of the weapons hes going to encounter,when he dose actually take damage he "involuntarily" switches into his "combat form" which is his normal self but with... oh lets say swirly tattoos and black eyes. With his staff he gets an affective conviction of 7 [3+3+1] , and control role of 7 [4+1+2 from lawbreaker]
Here is his three rotes.
Fire Blast Weapon 7 attack against one person base 7 to hit
Reign of fire. Weapon 5 attack against an entire zone base 7 to hit.
I am the Fire! Create a "Zone border" around yourself so that Reign of fire. can effectively target everyone but yourself. 3 shifts for persistence. and the last 3 for the aspect "wall of fire"
So he can casually inflict 10ish [14 minus a great defense score] levels of stress to one target, or with a round or two of prep. 5+ target successes to everyone that's not him. and is immune to most weapons, and heals just about everything else super fast.
Edited to reduce confusion, and represent the discussions below.