[LT] Question about the optional hit locations

[Jonas]

I was reading through my copy of Low-Tech due to writing up armor for my next game, and happened to notice the optional the optional rule on page 102. Specifically the one splitting the Torso hit location into Chest and Abdomen, which strikes me as more realistic but does leave me asking for some clarification as to how this interacts with the 'stock' hit location chart or its expanded version in MA. I'm fairly sure I'm reading it right, but would rather take a moment and ask a potentially silly question to make sure before going to my players with a false assumption.

• Does it replace the standard groin location or merely join it?
• Am I reading the text right that its only slightly harder to hit then the default torso?