Seeing a few of the recent posts on 'critical hits' and 'damage below 0' tables, I pulled up an old Trollsmyth bookmark: Playing with Death and Dismemberment. Why I had bookmarked it in the first place wasn't for a critical hit table, but for the novel idea of helm affects that were presented. Something that actually gives a reason for writing 'helm' on the character sheet in Oe D&D!
Now in retrospect, I like the idea of how it strengthens the idea that hit points are not necessarily physical, or at least not major life changing physical, until you get to below zero. I have often toyed with the idea of changing the name of Hit Points to something else, but just could not find the right noun. Besides, I might be burned as a heritic.
With this however, I imagine that armor would be better suited as DR. I don't know. What I am curious about is how do you envision/play-out hit points in your game?