Talyn, that first paragraph does not resemble the Hero System rules. You assign special effects at character creation or respec. There are fewer mechanisms for changes on the fly, and those are largely controlled for the reason you cite. Anyway, we already have a multiplayer mechanic for dealing with indecisive people: they stand there doing nothing while the rest of us continue to act. If they do that enough, we kick them from the team.

DDO did the same thing: they stuck to the rules as best as a 1) videogame and 2) multi-player videogame would allow, making Wizards of the Coast-approved changes where necessary. Even then, WotC steps in sometimes and asks Turbine to change things closer or identical to pen-and-paper; that occurred at least twice last summer that I recall. Licensing the IP didn’t give Turbine carte blanch to do as they wish, like many assume; WotC gives everything the green-light. And sometimes, not.