The ‘ Only the Insane Shall Prosper ’ sidebar on page 289 states, "If the tens digit of a PC’s Insanity points total is double (or more) a creature’s Fear level, the character is unaffected by that source of Fear….” Since Fear (4) is the highest level, once a PC’s Insanity is 80+ it would seem a PC will never make another Fear Test - was that really the intention? On the one hand, 80+ Insanity Points is a lot and I like the idea of becoming slowly inured to the horrors - but becoming immune is really drastic - outright immunity is typically not as fun, IMO. (Btw, I'm aware this rule existed in 1e, but the question still remains.)
Page 286 makes reference to Insanity scores reaching 100, so it would seem to be expected that PCs could reach 100. How is that possible if an Acolyte is immune to all Fear Tests? This aforementioned sidebar does make the specification of “creature’s” Fear level - possibly meaning that this sidebar doesn't apply to non-creature Fear Tests...but that would seem to be an unintended loophole.
I know there are ways for PCs to gain Insanity besides Fear Tests, but I'm not sure there's many. The Inquisitor's Handbook Cybernetic Resurrection (p87) called for PCs gaining Insanity Points. A few other Elite Advances in that same book caused Insanity Point gain - but that's not during "active play", if you will. That's all 1e, it should be noted - none of that exists so far for 2e.
Perhaps instead of the PCs consulting tomes with warpish patterns and making Fear Tests that then result in possible Insanity gains - after a PC has 80+ Insanity they no longer make Fear Tests and therefore no longer make rolls on the Shock Table - but still gain a set # of Insanity Points? However, that would seem to run counter to the sidebar's central thrust that the PC is inured to that horror.
So, the question becomes - how may a PC gain Insanity points after they have 80+ Insanity Points?
Edited by seanpp