Re: how do you deal with guns and superheroes in your campaign
Generally I don't bother with it. However,,, that said players have at times given cause to warrant it as it keep belligerence and stupidity at bay. Just because you can bring down the greatest of crime lords without evidence does not mean there won't be reprisals for it.
Thus in my games hit locations for me are more for color than a rule. The SWAT team should be feared by both the HERO's and villain's alike. HERO's please don't do something that would call down the wrath of the SWAT team please.