The tiny fire kami is scary, but should be a little bit less scary if run by the book.
1. shouldn't happen - the books suggest that spending opportunity on things not on their profile should be rare for NPCs.
3. should be reduced by armor, arguably to 0 due to its supernatural nature and her wearing sanctified robes. To 2 if you treat it as physical.
4. should be 1, not 2 extra strife - this is explicitly one of the exceptions where you round down.
So three less strife than you calculated and 1-3 less fatigue.
That's still seriously scary, but slightly less so.