Insight
Adventurer
Still waiting a response
I really only see one question in there, so I'll answer that.
Looking at the Removeable flaw, it seems to me that the -1 per 5 points leaves some room for confusion vis-a-vis how to calculate effects that do not cost a number of pp easily divisible by 5.
I'm not sure if this is specified anywhere, but I'd like to rule in favor of the players whenever possible. So, if you have a fraction at .5, round it up (or down) depending on which is more favorable for the character (in this case, round the reduction UP).
So, if you have an effect that costs 7pp pre-flaw, the Removeable flaw would reduce it to (7 / 5 = 1.4 reduction, or 1pp) 6pp. If the effect cost was 8pp pre-flaw, the Removeable flaw would reduce it to (8 / 5 = 1.6 reduction, or 2pp) 6pp.
It seems to me that you're better off creating effects that are 3pp, 8pp, or some derivation thereof.
This is a tad gamist, though, so I don't know how happy I'll be with an extreme amount of bean counting and corner-cutting here.