@Colm33
Would not the change to an unarmoured human being killed easily be handled by the way taking 2x defence score = death for novice class NPCs?
If you want that for PCs, I have to disagree. Due to their fated nature, PCs/Elites/Masters are luckily never struck dead on by shots until far into a combat. Yes it skews realism, but it represents the hand of fate in the setting.