FMA Skirmish: The Points System

To set the background I'm asking the following question because I'm playing
around with the Appleworks Database stuff. I have created a DB to store FMA
statistics using the point values defined in the FMA beta text.

(Which begs the question: Are the point values listed in the text good enough
to start with?)

While point systems are highly subjective I'd like to get opinions on a few
topics.

At last years ECC there was an FMA game with Terminators vs. Humans. The
mechanic used for the terminators was that they started at d12 quality and for
each wound suffered their quality went down one level. It wasn't the exact
method I'm sure but from memory that's how it worked. What would a good points
value be for this type of ability?

How many points would it cost for a figure to ignore wounds?

I'd like to use these values to get a baseline to start play-testing
with.

Thanks.

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Damo