Is there a particularly good reason to have arms and legs split into upper/lower parts? Seems like you could quickly end up with some nasty bloat in trying to keep track of and later treat your injuries. Also, in this case, wouldn't "torso" end up just being the chest?
I was actually wondering a couple days ago about incantations/spells and the like, and was curious as to what plans you'd have for the stress bar as a whole, and how exactly you were thinking of implementing a sanity mechanic.
I honestly quite liked the implications of stress in Hell, what with increasingly erratic behavior and eventual attempts at suicide, not to mention stress-induced hallucinations. However, the massive direct penalties to combat-related stats made it something you definitely did not want to accumulate, which made sense as far as it being a kind of "mana" or energy reserve for special actions and abilities that they didn't want people to spam.
However, personally, I feel like delving at least partially into madness would make sense for some situations in a Lovecraftian setting, particularly for those who bargain with darker powers in order to gain magical might and proficiency. I kind of feel that sanity bars are a bit too game-y most of the time (Eternal Darkness is noteworthy less for its handling of the mechanic as a whole, which was still kind of bad, and more for the effects that would take place when the bar was depleted, which were awesome), and takes away some of the immersion (not to mention generally being a not-very-balanced system in most of the games where it's implemented).
Hell already has a basic mental illness system in place, so possibly some fleshing-out could just be done on that side of things? Could potentially assign some sort of power to various illnesses, so those individuals who can tap into the latent powers of madness would be offered a trade of mental clarity for increased occult strength. More arcanely-inspired characters could willingly sacrifice portions of their sanity (in the form of gaining an illness) in order to gain the respective abilities for as long as they could manage the downsides of the condition.
Hrm... Not sure. I'm just rambling. Not in a magical way either.