I agree with Rust, it depends a lot on the setting.
One of my hobbies was Viking period Re-enactment. Using shields, mainly large round shields in battles were very common, to getting a chest, Abdomen shot was difficult. You have a few options depending on the weapons you use. If using a sword, you can try to run in and drop the sword behind the shield. But that's tricky as often the re-enactments were battles done in a shield wall, so charging into a shield wall would usually get you killed.
Using a 2 handed spear was easier in a shield wall, as you would try to push open your opponent's shield enough for the guy next to you to stab them in the chest/abdomen.
However the head, arms and legs stuck out a lot, especially as your arms are sticking out in order to stab someone with your spear, or whack them with your sword.
I remember being in a re-enactment society in Australia which allowed headshots (but had very strict rules about helmet use). In that the vast majority of the time people went for headshots, as the head is always gonna stick out.
I came from a re-enactment society where headshots were banned, so it took me a while to learn a headshot parry, as I didn't previously need to parry headshots.
But once I learned that I found I had an advantage, as hardly anyone bothered learning to parry body shots as is was far easier to attack the head.
So I DID start using bodyshots and did pretty well for a while, until people started learning to parry bodyshots as well.
If you want a realistic hit location table, I suppose you could vary the hit location depending on what sort of weapons, armor, shields (or lack of) you're using commonly in your campaign world.
I did find in Re-enactment I would often "Go for a bodyshot" to get the defender to defend the body more to I could get an arm, leg or shoulder shot, a sort of "feint manoeuvre".
Anyway, just my 2cents worth..
