Isn't this just a left-over? I can't think of a rule in the game for losing limbs, and I don't think there are rules for being penalized for having lost a limb. [Thinking of the Dark Knight in Holy Grail... "this is just a flesh wound!"]. So, a dialogue would be:
Healer: I can regrow both of your arms for 50 gp.
PC: well, no, sorry, I won't spend a single copper on it, as it serves no purpose.
Healer: but, Sir, your arms can be useful...
PC (using his foot to slice a loaf of bread): We PCs are extraordinary.