Hiya!
I didn't read the whole thread, but yeah, we started to see the whack-a-hero phenomenon come up. Initially I went with a "below 0 = one level of Exhaustion". I still use it, actually....most of the time. But I find myself forgetting sometimes...and it doesn't seem to matter. So...I think I need to find something else, or just ignore it and chalk it up to one of the foibles of the game.
If I did/do decide to do something about it, I'm thinking of maybe using a "Duration" for healing. In my own "Fantasy Elements" rpg system (based heavily on Darkurthe Legends rpg), there are healing spells, but they have a duration. You are 'healed' for the duration. At the end of the duration, any Life Points ("HP") that' haven't healed naturally by that time, come back. This means that after a good foray into a dungeon, everyone is beat to




. They have likely used Healing Magic to not die...adventuring is dangerous! Each "wound" amount they have taken in recorded (e.g., "-2, -2, -3, -5"). All wounds heal at the same rate; that is, each is treated 'individually'. So, lets say after the first day the character heals 2 points via natural healing, good medical care, herbalism, etc (non-magic). The two -2 point wounds are gone. The -3 and -5 are reduced to -1 and -3. The next day, assuming same healing rate, the -1 is gone, and the -3 is now -1. The next day the character heals up that last -1. So, after three days he will be healed. So...lets say that the magic healing potion he drank in the dungeon has a duration of 1 day. At the end of the first day, his two -2 pointers were gone, leaving him with a -1 and -3. If his total Life Points at full health is, say, 15, then he is at 11 (still having 4 points of damage). He's hurting, and hit shows! During the duration, he looked more or less 'fine'; maybe some bruising, swelling, stiffness, etc...but no grievous wounds showing. After the duration, however, he wakes up with a large claw mark across his face. Natural healing of this will result in scars. However, casting another 1-day healing spell on him will 'remove' these claw marks, maybe they'll show up as scratches depending on how much LP were healed versus damage done.
I know it sounds a bit complicated, but for my game, with relatively low'ish "Hit Points" (Life Points), it isn't much book keeping. In 5e, however, where a 11th level barbarian can have 150 hp or more... it could get a bit unwieldy. So, if I do, I may have to find a way to "bunch up" wounds into things like "Light", "Medium", "Heavy" and "Deadly" or some such.
^_^
Paul L. Ming