My latest succesfull character got his arm blow away by driving into a mine field.
For some reason I thought that the hospital had surgery ‘terminals’ that could repair my arm.
I ended up having a good battle in the hospital, but it also turns out that my arm is lost forever.
Suggestion: keep hospitals a challenge, and allow surgery on your own limbs to ‘restore’ body parts.
Now driving over a mine and loosing a limb becomes an interesting challenge, not a game ender.