Re: Hit Locations
I love it when y'all get all technical and munchkiny.
Regarding called shots, no one yet has really just said "depends". The rules are fluid for a reason, and that reason is to be able to adapt them to abnormal situations.
In normal combat called shot modifiers seem appropriate to me. Zombies aren't necessarily 'normal' by my definition, so other rules may apply. I see nothing wrong with halving their DCV (and by extension halving called shot penalties). It's all situational.
As a side note, I've never played in nor ran a game that didn't use sectional armor with called shots. For me it's a package deal. You either have both or neither (with some exceptions, of course). If armor isn't purchased as sectional its considered to be total.
To answer the original question, if it was military guys poppin' caps at each other, the called shot modifiers would be appropriate. If you're facing a zombie, halve the DCV and modifiers (to represent slower perception, movement, lack of defensive maneuvering, etc). If you're facing a gelatinous blob, no called shots. If you're facing a playing card, size matters but DCV doesn't.
And no matter what the final modifiers add up to be, a '3' always misses.