Re: Other People's Characters (and OIHID rant)
I don't automatically consider "efficient" PCs an ubalancing situation, but some character concepts and constructs seem pretty boring if all they do is fight. As you said, it is pretty much up to the GM. If you have a skill heavy Character, just ask the GM to make sure you get to use them to good effect.
Also, though I know that some players bristle, let Mr. Combat Suit get ambushed while he's brushing his teeth and roleplay his way to the UltimaArmor occasionaly just to rmind them that just because armor isn't bought as a focus, it still has to be worn to work. Likewise, Inferno Boy's Secret ID will prevent him from immolation in the middle of the Sox game. Just some thoughts.