1. Minfilia does not have the Blessing of Light. She does have the Echo, but that is not the same thing.
2. Don't rely too much on minion descriptions being lore accurate, but yes - that is a physical body. Except when Middy doesn't want it to be physical.


Oh, and Midgardsormr merely blocked (blocked, not removed) the Blessing of Light from us, just to test us and see if we are actually worth anything without momma Hydaelyn protecting us all the time. He did not remove the Echo, so still immune to tempering.

At the point in the story where you are you still have a LOT of things to find out about dragons in general, and Midgardsormr and the First Brood in particular. Midgardsormr isn't a bad guy by any means, but he doesn't have any reason to be nice to just any wannabe hero who bothers him.