Re: Meaning of stats compared to real world
I agree highest IQ could be in the 16-20 range.
Be careful if what you're looking for is just a great math/physics person, though. IQ 12-14 with a good talent will likely give you what you want without weird add-on effects.
IQ18 starts to get some really good defaults in unrelated areas. Consider Gardening defaults to IQ-4. Non-stressful rolls get a +4. This guy is a great gardener with no training. Savoir-Faire also defaults to IQ-4. Even in a stressful situation, that's a 14. He's smooth AF. IQ-5 includes Public speaking, Mechanic, most professional skills, and really anything the designers wanted to leave at "I guess you can make a roll." He'll be rolling at a 13.
One can make a good argument for just a few people like this coming along every now and then. Feinman. Da Vinci. Burger-flipper with no ambition. Most people are more like Einstein. REALLY good at their thing, but not great at all brain-stuff.
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