As universal as possible, yes. Not universal, period.
The fact that there are limits is proof that while Bonisagus was indeed trying to cover as much as he could, he did not succeed in covering EVERYTHING.
Once again, you seem to forget what the book actually says: "Rego spells can create wards which protect the target from things of the appropriate Form. These use the normal targets, but the target is the thing protected, rather than the things warded against (...)" (ArM p. 114). So, as you can see, a magus can still create a ward that will protect him from PeIg effects, since the target of such ward is himself, not the cold, which he cannot target.
Before you try to argue that if Ignem cannot target cold, then it cannot protect from it, I'd point you out to p. 78 once again, which clearly states that Ignem does indeed soak against cold.
Oh boy, here we go again. In logical steps, so you can use your 191 IQ.
1- IGNEM is a magical form that "concerns fire, heat and light" (ArM p. 78).
2- We can target fire, heat and light with IGNEM, as shown in the example spells in the book.
3- "Heat also includes relative absence of heat, so spells that result in cold temperatures are possible through Ignem," bold mine, (ArM p. 139).
4- Absence of heat can be obtained with PeIg.
5- Perdo concerns destruction or worsening. Ignem concerns fire, heat and light.
6- Thus, PeIg stands for destroying or worsening fire, heat and light.
7- Destryong heat results in cold. Destroying light results in darkness.
8- Worsening heat results in tepidness. Worsening light results in dimness.
9- Cold, darkness, tepidness and dimness are consequences of destroying or worsening heat and light.
10- As a consequence of the manipulation of heat and light, cold and darkness can be achieved.
11- They cannot, however, be targeted -not any more than death or aging can (consequence of PeCo).
12- Were cold and light possible targets, CrIg would be able to "create" cold and darkness, as the target of Cr spells are the things being created.
Now if you cannot follow that logic, I'm not sure what else I can do, really, as I'm not very good with drawings.
No, I base that specific argument on IN GAME TERMS, which is perfectly logical since we are discussing the IN GAME workings of magic.
My point exactly, here's a link so you can go back and re-read it: [url]Card & Board Games ARCHIVE & LINKS]
Thank you, read above.