I'm making all the characters up as if they were player characters. If you are going to use the villains, especially as a team, you really should lower their LIFE score. Going by the sample villains in the rulebook, maybe subtract 5 LIFE from each villain.
Of course, this is up to you. And if the villain is a major boss, that you want to be recurring, maybe giving him his full LIFE score is a good idea.
Holmesian Subclass and Race Index
2 hours ago