I want to make sure that my understanding of these rules is correct. (So please correct me if I'm wrong/you disagree.)
There is a -4 penalty for firing into a melee that involves a friendly character. But this has nothing to do with cover. The -4 is there just because you are (presumably) being "extra careful" as you take the shot (and you are foregoing certain target zones on your opponent that could endanger your friend). However, the opponent would get an *additional* +4 to AC if it turned out that the friendly character (or any other character, for that matter) was positioned in such a way that the friendly character disrupts the shooter's line of sight with the target, i.e., provides cover.
So just because a friendly character is in melee with an opponent, that does not necessarily mean that a shot will have a chance of hitting the friendly character. The friendly character only has a chance of being hit if that friendly character is also providing cover for the target.
This is the way I've always understood the rules to work. Is this correct?
There is a -4 penalty for firing into a melee that involves a friendly character. But this has nothing to do with cover. The -4 is there just because you are (presumably) being "extra careful" as you take the shot (and you are foregoing certain target zones on your opponent that could endanger your friend). However, the opponent would get an *additional* +4 to AC if it turned out that the friendly character (or any other character, for that matter) was positioned in such a way that the friendly character disrupts the shooter's line of sight with the target, i.e., provides cover.
So just because a friendly character is in melee with an opponent, that does not necessarily mean that a shot will have a chance of hitting the friendly character. The friendly character only has a chance of being hit if that friendly character is also providing cover for the target.
This is the way I've always understood the rules to work. Is this correct?