I like the rules you have come up with here Crusher Bob, it feels like it will make the game more lethal.
Right now I feel like my players can run around and do whatever they like without ever being close to getting killed...
I would also like to do something to the wounds-system. Like add the following rules:
When you take damage you need to write down how much damage you take in the different parts of the body and if you then do a Medicae you need to specify which part of the body your doing it in. Right now we have one guard with 50int and he just do a FIrst Aid on everyone after a big fight and everyone has full HP again. It doesn't feel like they care about getting damaged