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Message: <blockquote data-quote="swrushing" data-source="post: 1731451" data-attributes="member: 14140"></blockquote>Urban arcana... magic and guns all in one setting.A typical NPC, as in a typical person in the world, sure, most of them will be fairly low level, at best first. But the typical adversary or character of interest (as opposed to say the master villains) will often be above first-second level and will be able to survive a 2d10 rifle shot.The main differences between hit points as a buffer and hero pts as a buffer are that hero points have other useful things they can do (which makes spending them for this a trade off while the only thing hit points do is soak damage), hero pts are limited to the PCs and exceptional adversaries and they do not limit the level of the character. In order to keep an adversary from having enough Hp to soak a rifle round, you also have to keep their level down which means no high skill ranks, no accurate shooting etc. You have to retard or limit the entire character to keep the hit points low enough the easy damage rifles do.Whether or not you keep hit points as the core or drop it, We do agree that adding a loss of actions sort of effect to getting hurt would help avoid some of the hit point silliness.I would probably use half MDT and MDT as my benchmarks in that type of system, to allow some variety between characters.[/QUOTE]