I agree with Perchant's rant on being vulnerable. In the last several games I've played in, I've had characters who were, in some situations, very easy to take out. Whether I could get away with that or not is often dependent on who is running the game. If the game is going to be a grindfest splatterhouse grimdark murderparty, then perhaps playing the squishy one isn't such a good plan (though I wonder why you're playing that in M&M). That said, if you're playing something heroic with a GM dedicated to maintaining that theme, they you shouldn't feel like you'll hold the group back. A good GM isn't going to punish you for your stat choices, but rather work with them. All the best games I've been in never feel like GM vs Player match-ups, but ones where players make the inefficient choices to encourage a more nuanced and creative game.