I only have MUTANT: YEAR ZERO and have just scanned Kev's PDF of V4 so I don't have the best grasp of V4's rules because the YEAR ZERO engine in MUTANT is basically a D6 "dice pool" like Star Wars or Shadowrun, while the V4 rules appear to be an evolution of the far more sophisticated FORBIDDEN LANDS RPG.
That being said, I think your approach is a good one. It's not too extreme but gives a good reason to carry a shotty.
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