If I remember correctly (I may not - it's been a while*) hits to arms and legs don't also count against that "body pool". It also depends whether and how much healing you apply to yourself.
*: plus, we used to play several systems that were somewhat similar, and the main one of these definitely had this sort of rule.
Damage to legs and arms certainly counted against the main pool, but I think only until the limb was reduced to zero (maybe depending on edition). So eight damage to a five point leg would do five to the main pool, but eight damage to the abdomen would all count.
Exceed the hit points of the limb by six, and it's severed/mangled beyond repair. Exceed that on head/chest/abdomen, and it's a dead character. I saw more characters die that way than to overall damage, I suspect. You could re-attach a limb with Healing 6, but not bring someone back to life without very high-powered magic that most religions didn't have access to. Shamans could self-raise, of course.
Also, if hit points are proprtional meat, Cure X Wounds spells should presumably have healed more damage on characters with more hit points. Otherwise, relatively minor wounds (20 damage on a 100hp character) require more magical healing than serious ones (20 damage on a 25 hp character). 4e at least gets that bit right.