Hiya!
(Didn't read every page of this thread, only first...gotta hit the sack, really tired!)
To the OP:
Don't hang up your dice.
Go find a Super Hero RPG System.
I'd suggest "
SUPERS! Revised Edition" (
SUPERS! Quick Start - HAZARD Studio | SUPERS! Revised Edition | DriveThruRPG.com ). It handles "damage" in a more player-friendly way; it's basically up to the Player to decide how his PC takes damage for a lot of, if not most, situations. I even went a step further and just say "pick where you want damage to go". It's a very narrative-oriented system.
Short Version: You have 4 "Resistances" (Fortitude, Composure, Will and Reflexes). If you get a car thrown at you and you take 2 damage, you, as a Player, decide where those 2 points are allocated from your Resistances (or other powers, like Armour or something). The player can then describe how the damage occurs: "Ow! Steelwing brings up his steel wings in front of him just in time! The force of the car crashes into him, pushing him back and down onto one knee! ...I'll take 1 off Fortitude and 1 off my Flight: Wings if that's ok?" ...It could even be "Steelwing leaps to the side as the car barely misses his head by INCHES! Small pieces of glass dot the side of his face. He is shaken by the near death occurrence. ... I'll take 2 points off of Composure".
Also...death isn't a thing unless the Player, Players and/or GM want it to be.
If you want to play a fantasy game...no worries. Just use the system and rules then just add fantasy stuff, setting, equipment, and get to it. (and yes, I do have a "SUPERS! Fantasy" campaign supplement and setting in the works; it's surprisingly easy...like...no-brainer type easy; all I'm really needing to create is the setting and fluff...the rules for Powers fit for spells, magic, special abilities, etc, so there's no real "work" there at all; just creation!

).
So if I were you... look into SUPERS! or some other Super Hero RPG you are more familiar with and just use that for your game (fantasy, super hero, scifi, etc).
^_^
Paul L. Ming