Quote:
Originally Posted by Gollum
... 3 points of damage is like a knife stab in the belly...
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Quibble with this point. From the rest of your analysis 3 points would be a "knife cut" and no more. Belly wounds involve organs and potential sepsis -- hence the damage multiplier for vitals. The knife stab to the belly would be x3 for average 8 points. I'd describe the 3-point injury as a cut to muscle/surface bone area; it'll hurt, bleed, make you yelp about the tavern where you had breakfast, but isn't a fight ender for a hardened individual.