A: Across the board, 3 IP is the highest you can get at creation without using Restricted Gear. The mage and adept are the only exceptions. Now, while I've yet to see an adept willing to devote 4 power points to IP out of the gate, a mage is able to go up to 4 IPs with a single spell that costs him 3 BP. But since the rest of his mates are restricted to 3, the mage can spend 6 BP on a rating 3 sustaining focus and break out 3 IP whenever he expects combat without penalty, and if he thinks he can stomach the -2 dice pool, he could go up to 4 if he really wants to outpace his competition.
Wired Reflexes 2, on the other hand, costs 7 BP, and 2 essence. And don't even get me started on Synaptic Booster or Move-by-Wire.
B) Synaptic Booster 2 is 32 BP at creation, and 1 essence/1 magic. Now whether you're willing to spend that over 2.5 Magic on Improved Reflexes is really up to the player, but I've never met a player that leaned towards the latter. However, I don't know how your games have worked, but in all the ones I've played, nuyen is a lot easier to come by than the massive amounts of Karma necessary to initiate and increase magic enough times to hit that ridiculous 4 power point requirement for Improved Reflexes 3. If the cybered out sammie has the time necessary to get the surgery for his 4 IPs, the adept does, too. The adept's option just costs more.
C) Permanent and non-disruptable IP? HA! You have a generous GM. Background counts fuck with Adepts worse than a troll named bubba in prison. Considering how much of their power points would be devoted to IP, chances are good any power points lost to background count is coming out of their Improved Reflexes. Now, Synoptic Boosters, on the otherhand? That is permanent and non-disruptable, unlike what the adept, mage and sammie are using.
D) Everyone who is in combat has them, yes. So what's the actual difference between everybody having 4 IP and everybody having 1 IP? Nothing. IPs only matter if you have more or less than the guy you're fighting, and I can guarantee you that the guy who has less is feeling cheated as his opponent is filling him with bullets.
A) How is this a problem? Just use restricted gear to get to the top of the food chain. Simple.
Mage requires 3BP for the spell, 4BP for bonding the R4 Focus (threshold of 4 to get +3IP), oh and an R4 focus is Availability 16, so requires Restricted gear (5BP) in order to get it, plus is another 8BP in cash resources = 3 +4 + 5 +8 = 20BP. Hardly a cheap option....
and if he wants to just get out of the gate with the R3 focus (and +2IP), that's still 3 +3 + 6 = 12BP. Fair price to pay considering Wired 2 (for the same effect) is 32K (7BP and change)
B) In game, nuyen is easier to get than Karma. Agreed. However 240k is still a massive score well beyond the reach of early Shadowrunners (unless playing Monty-Haul style... where all such balance is invalid). and even 32BP for the R2 version at CharGen is a big ask (and 18BP short of Max spend. It's all about balance.... do you want the rolls-royce option alone, or will you be content with the lexus and a few other toys as well...
C) Background counts aside, Cyberware can be scanned for and negated. Magic spells can be disrupted by wards, spirits, counterspelling (as well as background count). So BC is the ONLY way to stop a Physad getting their multiple IP's. Granted, Synaptic is even better, but it's the Rolls Royce, and you get what you pay for....
D) So don't focus on combat, what's the issue here? At the moment, if a PC doesn't want to focus on combat, they can ignore all these BOP requirements and pump up other attributes, skills, lifestyles, contacts etc. That's their perfectly valid choice, and even then a cheap single level of IP enhancement will likely sneak in via Combat drugs and the like.
But if they do want to be better at combat, then extra IP's are awesome, and some priority should be given to them.
Yes, the guy who has less IP's is feeling cheated. Most likely feeling overmatched. Isn't that the point?
1 IP is standard,
2 IP's are for people who hesitantly expect to get in a fight (and is cheaply/easily accomplished for anybody)
3 IP's are serious business and
4 IP's are OMG scary.
It's a very simple ratings scale, and it's always worked for our group *shrugs* Obviously, YMMV....