But the same is also true for her. Outside of the two insta kills, she doesn't have much that cannot be dodged or reflected, even then, he can still tank many of her skills due to sheer stats.
Again, if she uses any instant death bless skill, he reflects, she reflects passively, it's GG.
Neat, now show me Naoto doing this and using these abilities in that way in character. Just because they can =/= they will.
Literally every Persona character does this. This is something we've discussed for a while on the Discord, so.
So does Akechi. She passively reflects light, but even then, this assumes that Akechi will just keep using bless when it clearly doesn't work. If he sees his main elements failing, he will go for almighty assuming he doesn't just use it from the get go as I find it very dubious for us to assume which abilities a Person character will actively use in character. And I actually feel that you are overplaying her reflect and underplaying sheer power here. Akechi sees her use a reflect move, he will know to go for a move that bypasses such abilities. One reflected attack won't kill him. Just as she can instantly kill him with the bless insta-kill, Akechi can instantly kill her with one Almighty attack. Which I highly doubt is going to be something he will be so restrictive on using here.
There is no keep using bless. I never even said he would use it, I said Naoto would. If he gets hit with it once, it's over, so if she reflects it, then she reflects it passively and can even go for another spell during that time. It isn't a move, it's passive, it doesn't need to be activated. I'm not overplaying her reflect, reflections in Persona work up to Low 2-C, something Sol also has agreed on. One reflected attack will kill him, it's an instant death attack.