Yes and no. First of all,
summoning in a background count is just asking to be smacked around. The spirit isn't even in the background count until the opposed test is successful, so you're running at penalties and the spirit is not. The pnalties for that are even worse than you describe - drain isn't reduced at all, you could easily be bumped up to physical drain, you get less services, and your spirit at the end operates at penalties once it gets here. It hits you coming and going.
As for
binding, then the reduction in maximum Force is a real and noticable effect, but the reduction in the Force you can conjure before you take physical drain is not. So for example, were you to decide to bind a Force 5 spirit, you'd suffer Stun damage if your Magic was 5, you'd suffer physical damage if your Magic was 3, and you'd be unable to even make the attempt if your Magic was 2. Now, if you walk into a level 2 background count, that same spirit is only Force 3, and your Magic is reduced by 2 as well. So you still suffer stun if your magic was 5 (3), but the guy with a Magic of 3 (1) can't even make the attempt anymore (and the guy with a Magic of 2 is effectively mundane).
Force and Magic are reduced by X for binding. That means that for purposes of whether you suffer phyical or stun there is no change (a comparison of X vs. X). But for the purposes of whether you can make a binding attempt
at all, you're falling behind the curve (X vs. 2X). Of course, I think that pretty much means jack, because player characters with any sense don't even tr to bind spirits with Forces of about twice their Magic attribute. It's not that hey can't make the attempt, it's that it isn't going to work.
So to put it all together, when you bind in a background count:
- You suffer less drain. DV reduction of 4/3 of a point per point of background count.
- The maximum "real" Force of a spirit you can bind is reduced by the Background Count.
- You get more services. 1/3 of an extra service per point of background count.
- No change to whether drain is physical or stun.
-Frank