Last month I asked a lot of questions to figure out combat with MHI and the Hero system in general. Thank you so much for your advice and help.
So after running my first adventure I have to say I kind of like the system. But it also raised some more questions.
One in particular is that it seemed like the players stunned the monsters easily, but could not touch their body. They were using guns with multi-fire (five shots), by the time they shot 5 times in one phase and accounted for the extra stun damage from hit locations, the poor wererat had taken 40-50 more points of stun damage even after accounting for PD. So they might have taken a point or two of body, but had exceeded their stun by double (or more in some cases). So definitely unconscious, but not dead, then they just cut of the head and were done. It was a little anticlimactic.
Did we do it right. I mean the poor wererat didn't last more than 2 phases.