So the question is generally what sort of stone limit sounds reasonable?
I know that 40+10 (50) is the standard amount, that's good for a "new" hero on the block that is Amazing as a specific power set, or a hero that is Good at an assortment of powers (like Mastery of Elements or Telepathy...or Magic). Then I guess 30+10 (40) is street level heroes? Like people that aren't going to be juggling tanks but can go toe to toe with up to B level villains with some help and would need a team to fight an A lister. But what from there? Is 20+10 (30) a human at the peak of training or is 10+10 (20) the level in which a person is noteworthy but not exactly history book material, and where would normal people lie? I ask this because a couple friends and I are working on a setting in which people have two sets of characters, there's the human which is a low level individual, about 10 stones and a Digital Avatar that's about 30 so they're running around with about in total the 50 stones of a standard play but some of the players are wondering if that's too much, yes players that aren't asking for more power...I know I'm scared too, and honestly it's decent question to ask.
How can man love a God he can't see, yet hate a brother he can?
I know I'm a bit late to this, but my suggestions:
1) Don't bother with the "real life" versions. They're probably not involved in heroics, so it's just a needless headache.
2) If you do decide to stat up the "real life" characters, there are some important things to consider. Generally speaking, an average Human is going to be around 5w (2w2r for Abilities = 1, Int = 2; 2w1r leftover for a few invested Actions). I don't know who these characters "are," but ANs over 3 or Ability Numbers over 2 (3 for Int) are unlikely without some kind of balance (i.e., Challenges).