Re: Hit Location Penalties
The game does make assumptions, for sure. But that's for playability -- not game balance or whatever. And you'll note that p. B553 does have tables for things that are't humanoid. These aren't perfect . . . but we did think about this stuff. Generally, a nonstandard table of hit locations is considered a zero-cost racial feature unless it's rather obviously superior ("All parts but torso are at -10 to hit . . .").
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