Yeah, one of the hazards of reading the forum late at night is I might be too sleepy to check the dates and avoid necro-posting. :-)
My motivation is similar--the idea that aimed shots are a double-or-nothing gambit is basically crazy and doesn't even feel right. Back when we played lots of FH I'd have loved to fix this, but I was the only one bothered by the idea that that aiming makes you less likely to hit.
Theoretically, I'd use hit locations for fantasy; however, now that I'm more daddy than anything else I'd run something my kids like, and for fantasy I'd probably use a certain c