Just look at some other character sheets and copy the format. That's what I did. Don't try to be original, it's easier to create characters when you're not making a special snowflake. Plus you'll probably end up making something that already exists anyway, and it's just stupid to try to reinvent the wheel. Power tiers aren't as much skill as it is taste. It is a bit more difficult to play lower tiers because you have to be a bit more knowledgeable in subject matter in order to write convincingly. You do you.
Lower tiers are probably easier to play with, because there's less to manage in regards to abilities and power sets. Playing with one small power-set and a few bits of equipment is easier than dealing with a character who practice 2-4 (or more) supernatural disciplines, is capable of superhuman feats of strength/speed/cunning/reflexes, and/or has all sorts of filthy lucre in the form of arcane/hi-tech/etc equipment. Generally speaking, it's also helpful for a new player to learn the basics - positioning, maneuvering, timing, etc - before moving to more advanced, complicated levels of character power where you have a multitude of things interacting with each other, sometimes simultaneously. You have to learn to walk before you can run.
Playing at the lower levels also requires a defter touch in regards to balancing, which is enormously useful for playing other levels of power. Learning how to play and balance under heavier restrictions tends to pan out positively when/if you choose to move up the scale of character power, because it forces you to focus your concepts and make them mesh, whereas higher level characters can begin to sprawl outwards in all directions. In my experience, people starting at lower levels tend to find scaling up easier, while people who play at higher levels often have difficulties in scaling down. As a tournament judge, I saw a lot of people struggle with scaling to fit mild powers because they simply never played at that level.
It's also safe to say that no one has ever created a character that primarily uses wrestling as their fighting style. Even the pancration dudes use punches more than grapples. Of course, it's hard to fascilitate grapples in T1; what's autohit and whatnot.
It's been done several times. In the community I used to play in, there was a big fixation on technical grappling and MMA/BJJ several years ago. When that trend died out, it left a few players who still utilized grappling as their primary fighting style. The issue is that, with technical grappling, it's a pain in the ass to maintain awareness with regards to positioning, and you can't just be like "Oh, well, my character puts yours in a gogoplata" because that means jack-shit to somebody who doesn't practice BJJ. With "power grappling" (i.e. Greco-Roman, basic freestyle, etc) it's a lot easier because the movements are more macro than micro. My main character has choked out opponents, broken/dislocated several limbs, and suplexed a number of his opponents, although he's more of a Mike Tyson-y power puncher than an out and out grappler; I have seen characters who practice BJJ and have power-sets built to utilize the nature of the art, though.
One player I remember had a character who did BJJ and had some sort of bone manipulation manipulation going on, so they would get someone into a submission hold and then try to gore them with bone-spikes. Perk of hanging around/participating/judging tournaments for years: you see all sorts of shit, for better or worse.
(Usually worse.)
