Re: Mental Defense
Personally, Hugh, I see the problem as this:
In modern superheroic, and even much of heroic fiction although it's by far worse in this setting, the sedentary person that Odd Hat refers to makes sense at an 8 STR, but the "average Joe" who is healthy can often do pretty amazing things when pulled into the action. That, plus in general an active person seems quite capable, and basically has to be in a world of such drama and action. I mean, imagine living in Marvel NYC and just getting by with the falling debris and suddenly being grabbed and pulled up 20 flights by a flying character, barely held by your arms? And to be an agent or specialist in this world requires amazing vigor.
So I see stat "inflation" as a reasonable response. My excuse in general is that very many people have been affected by very low levels of mutation.
(Of course, Marvel's NYC is ridiculously fantastic, and I can't imagine why a single human being would live in it, the awe of watching supers is certainly very well overcome for any sane person by the ongoing chance of something terrible happening)
PS - to be very clear, I put inflation in quotes because I don't think it is, I think it's merely the conditons of many super-worlds - now to be fair here, I know lots of you run games that have a different bar and tend more towards realism, so of course this logic doesn't apply there. I tend towards more realism in interaction and the way supers are as people but less in the action realm, where I like comic book stuff
PPS - and Detroit was a bit like Marvel's NYC in the past in my world, and as a result it's been even more depopulated than it currently is in real life; while NYC just underwent a mass mutation accident and therefore may end up like Marvel's but LOTS of "regular" people have a little ability or bizareness themselves