Here's my character, with your very first questions on GM rulings. Good thing I have a few PP's left over.
Francis Ottoman was a normal 16 year old kid until he started to mutate. His mutation gave him incredible intelligence, but it also began to convert his body into pure energy. Attempting to avoid certain death, he harnessed his power of intellect. Using an old modem, an Apple ][e, and a hacked radio, he parsed his body into a stable signal.
He now exists as a neural network of sentient code. He's still suffers the normal gambit of teenage problems, with the additional burdens of not having a body and being the world's greatest hacker.
PL: 10 (150 pp)
ABILITIES: STR: 0 (-5) DEX: 10 (0) CON: 10 (0) INT: 30 (+10) WIS: 20 (+5) CHA: 12 (+1)
SKILLS: Bluff 4 (+5), Climb (-5), Computers 15 (+25), Concentration 2 (+7), Diplomacy (+1), Disable Device 15 (+25), Disguise (+1), Drive 1 (+1), Gather Info 8 (+9), Handle Animal (+1), Intimidate (+1), Investigate 10 (+20), Technology 1 (+11), Popular Culture 1 (+11), Current Event 1 (+11), Theology and Philosophy 1 (+11), Tactics 1 (+11), Notice 10 (+15), Acting 1 (+2), Pilot 1 (+1), Search 8 (+18), Sense Motive 4 (+9), Stealth 8 (+8), Survival (+5), Swim (-5)
FEATS: Contacts, Fascinate (1), Eidetic Memory, Environmental Adaptation, Improvised Tools, Well-Informed
*Alternate Form (ghost) , (Gives 25 points to spend)
Permanent [-5, Flaw],
Immunity Suffication (2 points)
Immunity Sleep (1 point)
Insubstational (Rank 4, 20 points)
Concealment (Normal Sight, 2 points)
Data Link 
Mental Link (power feat)
Permanent [-10](flaw) (Essentially, if he doesn't have the maximum number of duplicates out at all times, he has to use that action to create a new one. Potential for endless loops is huge.)
*Quickness (mental only) 
*ESP (Visual) 
Medium (Machinery) [-10](flaw)
Medium (Machinery) [-5] (flaw)
*Illusion (Visual and Hearing) 
Medium (Machinery) [-1] (flaw)
**Radio Hearing 
*Comprehend Machines 
COMBAT: Attack 0 [Unarmed -5 (Bruise)] Defense 15 (12 flat-footed) Init 0
SAVES: Toughness 0 (0 flat-footed) Fortitude 0 Reflex 0 Will 7
DRAWBACKS: ---CUSTOM DRAWBACKS--- -Can only move in an electrical Current. Can only occupy circuitry. [Freq DC 5] [Sev DC 15]
Abilities 22 + Skills 23 (92 ranks) + Feats 6 + Powers 90 + Combat 10 + Saves 2 – Drawbacks -5 = 148 / 150
*Notes and questions about how you would rule:
1.) Would I need illusion to communicate visually by LCD screens in such, espically if I wanted to craft max-headroom like avatars? How much of that would actually be covered by computers, and would it be more viable to take as a craft? I envision Francis as changing his voice and avatar often. and illusion seems the best way of doing that.
1a.) I envision Francis as a mute in most regards, and he has to use his powers to compensate. Do you consider the Rank 4 Insubstantial at permanant to effectively render him mute, or do I need to take additional flaws? Also, I consider him able to easily communicate with computers. Datalink w/ Machine control should cover that, but is there anything else I would have to be aware of?
1b.) The text of Illusion states that there's a willpower save, but it doesn't give any guidence for the DC of that check, or say if it's opposed or not. Is this clarified in errata? If not, what's your take?
2.) I'm waffeling conceptually. One the one hand, I like the idea of him zipping through powerlines at high speeds. On the other hand, I kinda like the idea of him not being able to move at all, and being limited to only the movement that his teleportation can provide. Which sounds more awsome?
3.) The text of insubstantial Rank 4 reads that you cannot affect the physical world. In your estimation, does insubstantial rank 4 mean that you make no sound and/or have no smell? If the answer is 'no', then Cipher smells like Ozone and sounds like that high-pitched hum you hear when your televisions on a blank channel sometimes.
Er, I'm forgetting stuff, but I can't recall what it is at the moment.