[whswhs]

Someone with 16s across the board is not "realistic" in the usual sense. She's more like Clark Savage, Jr. than like any person you could actually meet or hear of.

I think you're not accounting for her starting out as a child. She'll initially have to buy off English (Broken/None), Innumerate, and Social Stigma (Uneducated), as well as an initially lower IQ that reflects lack of general education, before she can buy any of those advanced scientific skills. She also probably is not going to be putting all her study time into a small range of scientific skills from infancy on; very few people have that sharp a focus on one set of skills when they start out, especially on skills that are desired not for their intrinsic interest but for their usefulness in learning other skills. See p. 11 of Back to School.

You want her to do cutting edge research on things like nootropics. That sounds like the Inventing or Gadgeteering rules are being brought into play. The penalties for inventing such things are probably high, and the laboratory facilities are going to be insanely costly. Have you analyzed how difficult it will be for her to invent learning drugs?

If you're building her as a PC, she has whatever you can pay for with the character points the GM allows you. Arguments about "she could have spent this many hours a month on study" don't carry any weight. You get to start doing that kind of computation after she enters play, and if you then have her spend all her time obsessively trying to become a superwoman, she won't have any time for adventuring.