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As for ways around it, ally them. If you're their ally and call them into another war then you'll be able to attack catholic countries without them interfering (just be sure to finish wars vs catholic countries before you finish the war you called them in to). Or check to see if your target has any allies that you can attack instead of them that wouldn't call in the defender. Sure you'd get increased AE from taking your targets provinces, but it'd be a much easier war.
I am currently playing as Byzantium and am trying to take out Hungary and move into Italy but the Commonwealth, whom got incredibly large in this current run, have prevented that. And we are rivaled so I can't really ally them or try to avoid them in any way.
You could declare on them (pulling the Commonwealth in as DOTF) quickly fully occupy them, and then peace out. You just need to take something from the peace deal, even the min amount of money would work, for it to count as a loss and get the Commonwealth to lose DOTF. Full occupation of the OPM should be enough for at least 10% warscore (even with the Commonwealth) and if not you only need to hold them off long enough for warscore, war exhaustion or length of war to tick up enough to peace out with minimum money.
Then as soon as the OPM is willing to peace out declare on Hungary (ideally just a day before peacing out the OPM). Then even if the Commonwealth retake DOTF straight away it will be too late to intervene in the war with Hungary.
But if you completely destroy their armies and fully occupy them, it will be completely worth it. You don't even have to take anything from them (and arguably shouldn't, to prevent revanchism, unless another country also declares war on the Commonwealth): by wiping out all of their armies, you will force them to rebuild their military strength from scratch. This at a time when they have no manpower (because they expended all their manpower trying to fight you, and they have high war exhaustion, reducing manpower recovery speed), they have no gold (because they spent all their gold recruiting new units and mercs to fight you, and reinforcing their damaged armies—the reinforcement cost is extremely expensive), they are making a lot less gold (because they are paying lots of interest on all the loans they took to finance the war, plus you occupied their entire country, which means their entire country has devastation, which reduces income), and they are contending with revolts (because you spiked their war exhaustion, which spikes unrest) and foreign enemies (because the AI is opportunistic and almost always declares war on weakened enemies if they can win). If you can cripple the Commonwealth that way, they will likely never be able to bounce back. Future wars against them will be easier, this will make expansion easier, your country will grow, you'll make more money, and suddenly that scary number of loans you took during your first war will be easy to pay back.
Just make sure you don't go bankrupt unless you have at least five year truces with all your neighbors, or strong allies, because bankrupty makes you unable to defend yourself. (You'll receive a notification when you are within 18 months of bankruptcy.)
Which is exactly how it's supposed to work. Defender of the Faith is an anti-blobbing mechanic, a way for the AI to gang up against an expansionist of a different religion. If you're not willing or able to deal with it, you have some options:
1) Expand on a different continent. The DotF will only defend the continent where they have their capital
2) Expand by attacking a different religion, one with a weak DotF (or none at all).
3) Attack your own religion.
4) Change your religion to match that of the DotF, or don't convert to one that's different (start in Europe as Catholic and stay Catholic, for example). Of course, this isn't always practical.
The goal of 1, 2, and 3 is to get stronger elsewhere, so strong that you don't care if a DotF gets involved in your wars. The goal of 4 is to dodge the mechanic entirely. Or you can fight through it as designed. But you do have options.