You're not alone in this, as it goes to headshot mania 2000, or ends up being bullet sponge 2099 where you end up dumping 15 magazines of 5.56 into a guy wearing an EOD bomb suit if headshots aren't possible. I think the main problem is that when a system does try to end up being more "realistic" by having a flat number of wounds and not HP, with varying levels of hit/crit leading to multiple wounds taken or even incapacitation, you end up with a system more lethal than what the average gamer actually wants.I've been spergtastically mad about this in video games lately. It's turned every single FPS into Headshot Mania 2000. People say it's "more realistic," but no, it's not. Real life people are not killed by whittling down their hit points, requiring you to target the area with the highest DPS multiplier to kill them quicker.
The other problem is that even in books and movies, the heroes that are taking on an army of 50 skeletons solo, while shooting up 20 terrorists and saving the day, aren't actually taking tons of hits, at most it's a couple of glancing blows/knicks/grazes/etc. In Die Hard 1, the hero isn't constantly getting shot up, he gets grazed, takes some scrapes, and his biggest wound is the glass shit due to not having shoes. Every Star Wars battle, no one is taking a bunch of hits except in the videogames. It's always parries, blocks, and just dodging hits entirely until someone eventually does get hit and then instantly loses a limb because it's a fucking lightsaber(assuming they didn't simply take a thrust right through the chest or even just get decapitated).
And that's all before factoring in even more gamey shit like weaknesses/vulnerabilities, damage type reduction, and so on. A vampire is "weak" to a stake through the heart? Well what isn't? Trolls and fire... ok most things die if I light them on fire.
There's definitely a better balancing point between game shit and "realism" but it seems like we're nowhere near that point.