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the points, rules, modelling...

No, you've got it all wrong, it goes;

modeling
rules
points

You just had it the wrong way round, thats all...

1. Come up with a story about said character
2. Write up stats that fit said character
3. Make model based on description of said character
4. ???
5. PROFIT!

What else is there to it?

whats the ??? ?

This.

Back to your question, what's so hard about coming up with your own character?

I think OP wants a way of making a balanced special character that people would actually be willing to allow.

According to the method provided I could just say, my character is Commissar Epicwin from Awesomeplanet

with BS10 WS9 S10 T10 W10 I10 Ld10 1+ save (counts as invulnerable as well) and is 65 pts lol

Jon Touchdown wrote:I think OP wants a way of making a balanced special character that people would actually be willing to allow.

According to the method provided I could just say, my character is Commissar Epicwin from Awesomeplanet

with BS10 WS9 S10 T10 W10 I10 Ld10 1+ save (counts as invulnerable as well) and is 65 pts lol

Sure, I'll let you take him in a game. Sounds like hes fairly balanced.

The only thing "special" about special characters is that they have a bunch of highly specific rules and/or they're required for some people that want to build a certain list.

Jon Touchdown wrote:I think OP wants a way of making a balanced special character that people would actually be willing to allow.

According to the method provided I could just say, my character is Commissar Epicwin from Awesomeplanet
'.
with BS10 WS9 S10 T10 W10 I10 Ld10 1+ save (counts as invulnerable as well) and is 65 pts lol

Only WS 9! And for only 65 points! Are you crazy. For that you atleast deserve the rule 'Roll a D6 every turn. On a 1+ you may smash all your opponants minis with a hammer'.

There was a thread on Bolter and chainsword I believe on making marine special characters and taking abilities aded points on etc.

Try checking it out.

Jon Touchdown wrote:I think OP wants a way of making a balanced special character that people would actually be willing to allow.

According to the method provided I could just say, my character is Commissar Epicwin from Awesomeplanet

with BS10 WS9 S10 T10 W10 I10 Ld10 1+ save (counts as invulnerable as well) and is 65 pts lol

I think I'd allow it, but I'd have to restrict you to two of them. You know, for balance.

On topic, I tend to come up with a model first, then the backstory.

It doesn't have to be modeling first. Maybe you have an army inspired by a certain character
archetype. As far as balancing out a special rules character for games goes, try posting in
the Proposed Rules forum and see if your post gets any attention there to help you
balance out your character.