Adjusted Locations - In our games, we believe that having a certain amount of damage for your whole body is a tad unrealistic. For example, in the real world, someone could have built their body up very much, lifted weights, worked out, and have very many "hit points." However, this does not mean that they are impervious to that lucky shot through the temple, or a fluke blast to the chest.
In that spirit, whenever we are engaged in a combat situation, after a hit, we also roll a location. If this location is the chest or the head, there is an additional chance for damage. You roll a percent die, and the results go something like this, although most times it is GM discretion as to any additional damage dealt. Here are a couple tables. It should be noted that the location table is nearly the same of that of Dark Conspiracy and Twilight 2000.
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I've actually been thinking about this a bit lately, and while the location table seems good for any ranged weapons, it seems a tad unrealistic for melee. Just because it, at least to me, seems based on area of the body part. Legs are a large portion of someone's profile, so the table is weighted in that direction. With normal armed melee, it seems like the weight should go to the arms, not the legs. Just because most strikes seem to go against the torso and head area, and not only is your foe holding their own weapon or defensive object with their arms, but most people have the reflex of putting up arms to defend themselves against any incoming object that seems likely to strike them. The only exception I can see is unarmed melee between two people with actual unarmed melee skills. In that case, i can see legs coming into contact more often, but even then you see a lot of hand/arm blocks, as ultimately, the goal for either is a head or body strike. I would like to see some input on this subject, but for now, I'll just leave it as is.