Re: Negative Hit Point effects
GURPS Martial Arts has other effects in its realistic effects of injury section, which include penalties for damage level that go up to -3DX at 1/3 HT remaining or less, but it says adrenaline keeps the pain from causing that for 2 x HT seconds... which conveniently means the GM doesn't have to think about them during most fights in progress. However, you could ignore that bit and/or add some DX penalties based on injury level and/or the number of Major Wounds and/or injured body parts or whatever feels right. (It seems to me like a trade-off between realism and complexity.)
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