I'm sure you can run it that way, but it's not necessarily true. Real life combat shows that civilians are not safe in a combat zone, not only from accidental fire, but because soldiers know that "that PC, discounted by all around, may be able to get into position to deliver a crucial blow".
True, true...but if you were in a combat situation, and in a split second you had to choose 1 target (because you have one weapon) from an assortment of "tanks" with heavy armor and weapons, and a guy who may or may not be packing a LAW, which would you target? Odds are, you'd prioritize the most obvious, dangerous targets- assuming you could affect them- and so would your fellow combatants.
Your mental calculus might change based on past experience; upon noticing threatening behavior from the supposed low-level threat; upon actually noticing a LAW on the target's person...but the guys with the BIIIIIIIG guns are going to be getting most of your attention, on average.
Once you start getting into area effects, there's no way and no reason for enemies to separate the weak out from the strong.
Also true, to an extent. If you're not worried about collateral damage or hitting allies, go ahead and drop those AoE attacks.
Of course, not everyone has AoE attacks...
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