Well if you use FDH, AND set the MDT to Con + Armor + 1/2 level then, no, you're not going to have MDT saves very often.
(1) FDH reduces the incoming damage , (2) armor then applies AGAIN to up the MDT, (3) Level applies to up the MDT, and then you get to con. A guy with 12 con, chain, and 4th level will only be threatened when the foe does 24 points of damage or more. At that level the average non-tough PC will already be all but dead anyway.
I use straight Con and FDH. PCs take armor MOSTLY for the Damage Conversion value, which keeps them from taking MDTs. I also scale the DC of the save with increasing damage. Even then I've only had 2 characters need MDT saves, one failed on a flubbed roll (2) but the other saved. The rules have actually saved their bacon more than once as the stealthy Fast hero has been able to take out guards with fast silent kills (MDT save on all successfully damaging strikes during the surprise round).
Not a combat-heavy game, however, as shown by the dominance of the girl with the stick.
I'm also loving the mastercraft rules out of the BCCS. I'm applying them to most of my games. I'm thinking of taking "concept" of specialized lightsabers from KotOR and using the BCCS enhancements to represent it ... it'll be an all-jedi game anyway, and it'll give the guys something fun to play with.
Right now I'm really salivating to run a Grim Tales based D&D styled game ... sort of traditional Sword and Sorcery High Fantasy, but with GT classes and whatnot. Lower magic, of course, but monsters and dwarves and elves and all that rot. Seems sort of backward, but I think I'd like a GT D&D game better than a D&D D&D game. Heh heh heh.
--fje