Do you need to worry about fractions? When I got into Champions (back in the 2e days), at first I didn't bother with advantages and limitations. You can create a surprising number of simple concepts using powers, ECs, and MPs. And that was in the 2e days. Nowadays you have a lot more options. Most comic book supers from the Golden, Silver and Bronze ages are easy to create.
Besides, even if you want to use Advantages and Limitations, does it have to be complicated? Instead of using three Advantages and six Limitations, all you really need are one or maybe two Modifiers. Pick your base points, choose an Advantage or Limitation, consult the Advantages or Limitations chart, and you're golden. No calculus involved.
Look, you don't have to worry about math at all in Hero past the character creation process. You have to be able to compute 11+OCV-DCV, and you have to be able to add up lots of dice.
That said, I've recently been reintroduced to just how hard it is for some people to do math. My "manager" is literally incapable of adding double digit numbers without writing it out. Like, 40 + 40 = um, uh, derp? It's amazing.