I'm gonna have to disagree on your list of 'best' ways to deal with threats, DeathStrobe.
Normal spirits? Yes, magic is your best bet. But Bugs and Shedim? No. Any bug too strong to get taken down by an AK-97 firing capsule rounds of KE IV insecticide, or a Shedim too tough to get taken down by a grenade launcher on SA, is going to eat your mage for breakfast (perhaps literally). The best bet for bugs and shedim if you can't use violence is to de-ass the area immediately, and let someone with a higher caliber of violence take care of it.
For the rest, I'm a D&D player. That's where I started. You don't target the Cleric's Will save, the Fighter's Fort save, or the Rogue's Ref save. You just don't. That's stupid. Same with the threats you're talking about. You don't fight Pax or the uber AIs in the Matrix. You fight them in the meat, where you have hellaciously more options than they do, and you aren't playing to their strengths.
For CFD, the best counter is thermobaric munitions.