Re: Points Equality
I'm throw in my opinion on the subject overall. I'll have to use D&D examples, because i don't have my HERO system book yet.
While it is not the majority of people that want to play those "comic relief" character, there are enough of them that bring up that kind of player/character in a game. When I run games in D&D, I always choose the Point Buy option, rather than rolling for stats. I did this mainly to keep people from complaining about others in the group with way better stats and/or "outshining" them. I have never had a player complain that his stats were too high.
It's because you don't need high stats to role play, that you can ignore high stats as well as make do with the low ones. I think a theme that I've seen in a lot of anime fits this situation well. That theme is natural talent versus hard work. High stats could be considered to be that natural talent. People with high talent don't excel in what they are talented with if they don't make an effort. To role play that comic relief, all one would have to do is not make an effort towards something they'd have natural talent in.
If a player, for some reason, demanded to have low stats, I would allow them on some of the following conditions: they must not use their disability to hog the spotlight from the other players, they must not interrupt game flow constantly, and the other players must agree to having such a comic relief in the party.
I hope I contributed well.