NCSoft released a free standalone version of the City of Heroes character editor a while back to promote the launch of the game in Korea. Shortly after putting it up on the Korean site, however, they locked out people in other nations from downloading it for whatever reason. Thanks to the magic of torrents, it's still available here in the West, and I spent several minutes a few months ago seeing how unoriginal I could be. I love this thing.
I've never played City of Heroes, but I did enjoy Scott Sharkey's write-ups
about his adventures in the game (and his one-off creations designed to annoy and disturb the populace.) Recommended reading, especially if you want to see more ideas than the paltry-but-fun ripoffs I can come up with.