I just wanted to add an important note on my chart (quoted above). The d12 for hit location is rolled at the same time as the d20 to determine the hit. And if the d20 is even, the hit is on the right side, otherwise the left.
That's how my chart figures a hit to the left arm as opposed to the right. Instead of using the "hit" d20, any other 50/50 roll could be made (if people don't like the bias towards hits on the right side). I just wanted to use the fewest dice rolls.
Also, I needed to design my chart so that the body area divisions lined up with normal clothing borders. In the game I am designing, a person can wear one kind of vest and another kind of pants (for example). I could not have one number cover both the torso and shoulder because then the sytem would fail if they were just weaing a vest. Ditto for one number coving both the hand and forearm (because they could be wearing kevlar gloves and no jacket, or vice versa).
All of the systems look well thought out though, and I definitely agree with weighting towards the torso (though maybe not so much for melee combat). I look forward to seeing what is developed. Heck, if it's OGL and better than mine, I look forward to yoinking it myself