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1) How do I balance things so what I throw at a party is neither too much nor too little for them? Is there a point value calculation or something?
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I do use two approaches.
One is to use strong but stupid enemies.
It can be almost indestrctible but slow and passive mummy,
or powerfull Boss of Mafia who underestimates some poor street folks...
This type enemy can take lots of damage (you have to take out lot of hirelings to get in to Boss)
and PCs have chance to back of.
Second approach is opposite, weak but smart and fast.
This enemy will make ambushes, will track PCs homes, attack them by suprise.
But overal weakness let PC survive and may be wounded escape.
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2) Is there an easy way to make cannon fodder types, other than to make like 100 templates, then just customize a few pieces each time?
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Gurps have interesting feature. You can have negative HP and keep fighting.
This is really odd for cannon fodder.
Standart zero point Joe can be taken out by 6damage blow by loose HT roll, with some luck this Joe can keep fighting after 56 damage...
To avoid such variability I really suggest use Fragile (BS.136) disadvantage
When balancing NPC do not forget to evaluate also non combat skills and abbilities.
Single mind reading weakling can do lot of trouble to your hevy armed group...