Re: Bugs
Someone has never had a fight with an angry hornet.
Just because a creature is small does NOT make it 'trivial' to hit is. Most small creatures have a great deal of reduced move which negative affects there dodge scores. The rules of SM+4 attacks being large area injury and being able to attack the area where the creature is in still apply.
If you have a bug that is SM 0, but can move 5 meters per second with similar acceleration and linear dodging capabilities as a full grown man (IE move is still 5, and it has a dodge score of 8)- it is going to be basically impossible to hit. If it further has the same linear durability as a full grown man (10HP), it will also be virtually impervious to the sort of attacks that are used against such creatures (against a mosquito that you are trying to swat out of the air the attack might be trading attack power for increase to hit, or using a flurry of blows in a desperate attempt to get one to connect knowing it will end the insect).
So SM itself never becomes a detriment, apply the realistic reductions to move, HP, dodge, etc that come with reduced SM makes being small a bad thing.
As for where the threshold for 'you just kill it' is, I would say that it is at the point where effective skill > 15, AND minimum damage will still kill it- at that point you can just say 'you kill it, its dead.'. Unless of course it is dramatically appropriate that you kill it immediately (poison bug crawling on buddies back).
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