Yeah, there's never enough build points to go around. 400 BP is, in my opinion, enough for a character to to be good at one thing and maybe passable at a few others, and that's about it.
So really you need to try and make a younger, less powerful Dresden, rather than the badass he's become after over a dozen books.
Maybe show us what you've got so far, and we'll see what advice we can give about bringing the cost down?