That's only wizard level if a wizard is not playing very well.
As for navel gazing maneuvers, we had this conversation in my group a little bit ago.
Basically, if a player is stacking a bunch of aspects, that is well within RAW AND the spirit of the game. In the books, Kinkaid would not have been able to take out Denarians with one shot if he were not stacking aspects (mechanically).
If the GM does not want a player or a bad guy stacking aspects, this is where compels come into play. Sure, you can buy off a compel, but to do so would cost 1 fate point each that you could just use for a +2 anyway, and stacking aspects can get costly.
It's 100% within the rules AND the spirit of the game to stack aspects. What I do now as a GM is compel whenever a PC is doing something I don't want them to do. That way, if they buy off my compel, they've earned the right to do whatever it is I don't want them to do.
There's nothing wrong with stacking aspects. On the contrary, in my opinion it is /stupid/ to just attack piecemeal and only do 1-2 stress at a time.
In real world terms, attacking without stacking aspects would be like shooting at something without aiming.
The thing is, I think it all comes down to what is thematically appropriate.
If your character tried doing a navel gazing maneuver with a monster chomping on him, as a GM I'd rule you'd have to beat a 4-6 to make it stick.
If you're sniping, it would make sense to stack a bunch of aspects.
These days when I am GMing, it's not raw but I make each consecutive NGM harder to do if it's done with the same skill. That way a character cannot have 4 NGM all done with... discipline or something.
Hope that helps.