I am actually fascinated with character creation, as I think its handling is one of the core elements of any game, and I'm also interested in seeing what other people make! I have a specially formatted Google Docs spreadsheet for listing characters online, if you would like to use it please by all means do so:
docs.google.com/spreadsheet/cc… To add more characters, simply duplicate the 'Blank Character Sheet' tab. If anyone would like advice on character building, or even me to just look over what they've made, I am more than happy to do it.
Your other questions are much harder to answer, unfortunately: the best answer is 'enough', which I know is vastly unhelpful. Basically, as a GM you will find a rhythm and method that works for you with enough experience. The one thing I can recommend (your mileage may vary, of course) is to sort of write out an outline of each session with what you think is the most likely progression of events for the group. The group will usually deviate from this, but it helps to sort of have a 'base option' to work from. From that outline, you can write more material about "what happens if the group does Y instead of X here" and other alternatives. I like to plan my games out in sort of a flowchart fashion, but it's a matter of what works for /you/. Don't be afraid to experiment and try new things, however.
Also, don't overuse combat and when you do, try to keep it fast: a good combat is one that can be wrapped up in 5 turns and in less than one session, though it will likely take your group a little while to get the hang of combat. As for designing combat, it's really up to the situation as to how you want to do it, but it helps to try and imagine it as a cinematic experiment: what would look good in a movie/show?