Re: Mechanics vs. SFX... Where is the line?
I think the issue is more that people are willing to accept mechanics that lead to sfx that don't make sense. You can build it any way you want, but it should still make sense. That is why Superman not noticing bullets built as missle deflection doesn't work because it doesn't make sense. Superman is just tough enough that he doesn't notice any force of that level, and that is defense and KB resistance.
If a chosen mechanic leads to wierd situations, it should be rejected by the GM.
In all of the campaigns that I play in, all of the players, experianced or not, sit down with the GM and make the character together. It prevents a lot of these issues.