I quite liked the damage location system in Millenium's End a transparent circular overlay placed over a picture of a human body in appropriate poses. The to-hit roll also gave damage location: the better the roll, the closer to the centre of the circle (the aim point) your shot went.
The closer you were to the target, the smaller the overlay you used.
It also catered for the use of cover- put a sheet of paper covering the area of the body in cover, then the overlay over that and if the number rolled hit the cover instead of the target, then the cover either stopped the bullet or reduced the damage.
The damage system was , on the other hand, very complicated indeed; depending on the velocity of the ammunition you sometimes had to calculate hydrostatic shock damage along with everything else.
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