So I've been kicking around this character idea for a little bit and wouldn't mind some advice on making sure it's balanced.  I'm trying to make a were-spider character.  But the idea of someone turning into one single spider seems a bit underwhelming.  I have two ideas that I would really like to use together for one character, just not sure how I should set up the powers and refresh costs.

My first idea was the character turns into a swarm of spiders roughly equal to his body mass.  Each one containing a fraction of his consciousness, meaning the spiders have to stay within a general radius of each other or the stray ones turn into ectoplasm.  This counters any "i know everything that's going on because I have spiders at every location we've ever been do this scenario" game breakers.

The second is one large spider with the same body mass as the character in human form.  I figure a slightly modified Hulking Size power would work (it's big for a spider).  But trade out the stealth penalty for something else, as a 200 pound spider that can climb walls could still be stealthy.

Both ideas alone are easy enough to do.  But if I want a character that can do both, would just making them double up on Beast Change be fair?  I'm just not sure -1 refresh balances out a 3rd stat load out you can flip to pretty much on the fly.  Though I'm thinking powers taken for each form would never overlap.  By that I mean if the giant spider form had Claws and Venom, the spider swarm would not.