I'm working on my first hero character, a villianess to give the party plenty of trouble. She's a fighter who has been through a world of hurt already. In fact, she does not have any arms or legs. Fortunately for her, her patron thinks that she is still valuable, and indeed may be improved upon. So he fixed her up with two suits that not only act as fully functional arms and legs, but has given her some additional abilities. One suit is a dark leather suit with worked in armor plating (5/5) that she can wear other clothes over, and the other is a heavy battle armor of about (12/12) or so.
Aside from the other benefits her armors give her, which I'm still working out, I just wanted to float this idea and see if it held water. According to the basic book, No Arms and Cannot Walk come to 45 points total. The suit is an Inobvious Inaccessable Focus for her "arms and legs" (and boosted strength , armor, and other powers), and the battle armor is an Obvious Inaccessable Focus. The suit is not "Independent" since it only works for her (and presumably any other female of similar build without arms or legs).
So I guess that offsetting the "No arms and legs" disadvantage is worth 45 points flat, adjusted by the focus costs, right? The suits are removable, and she may not be wearing either one during sleep, maintenence, baths, etc. and she may well be caught helpless by canny PC's.