Enemy disadvantage means there's a person or group of people out to get you. One of the modifiers for this disadvantage is:
Unknown: You know you have an Enemy, but you have no idea who it is. Tell the GM the power level of your Enemy. He will create the Enemy in secret and give you no details whatsoever. The advantage of surprise increases your Enemy's effective power level, and hence its disadvantage value. -5 points
It seems pretty clear that the GM will determine the enemy's intent and frequency.
My question is, do the multipliers for intent & frequency affect the points I get from this disadvantage? My GM argues that it will take him a while to come up with the enemy, so I just treat it as a 1x multiplier for both intent & frequency, and he'll come up with intent & frequency later without applying them to the points I get. He points to the "give you no details whatsoever" part of the description.
I argue that character creation can wait a bit, and depending on the enemy I might end up deserving considerably more or less points than I would get for assuming a cumulative 1x multiplier. Even knowing the multiplier won't really tell me anything about the enemy: a low multiplier could represent an enemy with no real harmful intent but a very high appearance frequency, or it could represent a deadly foe who only shows up rarely.