Re: House Rules
If you want a gritty, old-school feel, use DF 15's 125-point templates instead. (I've long used them.) The DFRPG templates are supposed to be pretty tough, as, in D&D terms, they're about 6th level characters.
Most characters won't do too much below 0 HP anyways. At -HP, they're almost all down for the count and knocked out. I don't see the value of making that level outright death all the time.
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Cura isto securi, Eugene.
My GURPS blog.
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