Actually I don't see it as too far off. There used to be the rule of 9 for first aid (this gave an approximate distribution of the surface area for calculating the severity of burns):
Head: 9%
Each arm: 9%
Upper body 9% (front), 9% (back)
Lower body 9% (front), 9% (back)
Each upper leg: 9%
Each lower leg: 9%
Before anyone asks, the remaining 1% was ALWAYS treated as a serious injury or a miss depending on sex...
Assuming surface area is a good approximation of visible area it seems to work. I do see it as a problem in melee combat though (hence my variable hit location variations in the melee combat expanded rules).
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