I'm thinking of something like increased AC for aiming at a specific area and DR for that part depending on armor, though this seems shabby. As for bone breaking DCs I'll use the ones that Raven used for his Elfen Lied insipred spell
Since you can cut off body parts with this method I also need to divide total hit points between the different areas of the body. This doesn't mean that someone on -10HP is in tiny pieces on the ground though. Cutting off limbs affects Total HP. Regenerating the limb restores the amount lost from your total HP. Attacking someone without aiming at a specific body part damages their overall HP total, not being particular about where the wounds are.
Lets say you have 40 HP and out of that your arms are worth 6HP each. Somone chops off your arm and now your total hp is down to 34. You go to a cleric and he regenerates your arm. You total HP is back up to 40 HP now. You then go into battle and your opponant attack without being specific about where he hits, dealing 20 HP of damage. You still have your max of 40 HP though, since he didn't cut off any major particular body parts.
As for breaking body parts, I'll write up a penalty table. Something like -10 to every action that involves extensive use of that body part. I'll allow an endurance check = half break DC (1d20+con bonus+bonuses from feats) to take a -5 penalty only. Broken bones can be healed with magic healing = total hp of the body part or by rest and successive Heal checks.
For example, your arm is worth 6 HP out of your total. You break it after a fall. You now take -10 to all checks requiring extensive use of your arm, such as swinging a sword or climbing a wall. You succed an endurance check against half your arm's break DC so you only take a -5 penalty. You go to a cleric and get a Cure spell cast on your arm. The Cure rolls to heal 8 HP, which is enough to = your arm's HP and heal your broken bone.
Still need to develop it a bit more, but that's the general concept.
Any comments, suggestions, flaws, improvements?

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