d20 generalizes hit locations, so the early responses to the question in this thread sounds fine with me. I think the most recent posts bring out good points though. When someone hits in my game, I will say what the PC's or NPC's attack did ("Your scimitar slashes down his shoulderblade across his chest and exits at his torso, creating a mighty slash spilling crimson").
One thing I've offered that I took from both CCR (by the way, the 007 RPG used this system first I think, and is IMO the greatest RPG ever made) and Cyberpunk 2020 system of offering hit locations if a player wants a -4 to hit (say head) or -8 if he wants to hit an eye, for example. Then damage could be more specific, say severing a hand if attacker does enough damage, or doubling damage to a head hit or blinding the offended eye. My players never choose this option though, so I just generally describe a hit myself.
One thing I've offered that I took from both CCR (by the way, the 007 RPG used this system first I think, and is IMO the greatest RPG ever made) and Cyberpunk 2020 system of offering hit locations if a player wants a -4 to hit (say head) or -8 if he wants to hit an eye, for example. Then damage could be more specific, say severing a hand if attacker does enough damage, or doubling damage to a head hit or blinding the offended eye. My players never choose this option though, so I just generally describe a hit myself.