Morale (Cumulative Losses and wounded) SG2

Cumulative Losses don't seem to affect morale. I find this troubling. I have
seen squads that roll well and lose 1 figure at a time have 1/8th of
previous strength and have decent morale. That offends. The cascading morale
solution isn't - that only works if rolls are blown. It doesn't increase
the odds of blowing one based on cumulative losses.

Here is a suggestion for factoring it in (results are by motivation
Lo/Med/Hi):
Unit losses reach 25%   (+1/+0/NTR)
Unit losses reach 50%   (+3/+2/+1)
Unit losses reach 75%   (+5/+4/+2)

(And yes, these are harsh! but in the real world, a unit that takes 10%
casualties can easily be out of combat... 25% is nasty, and 50% is
apocalyptic - units that fight on in these circumstances are incredibly
tough or motivated)

Also, someone brought up a question about whether un-treated wounded
force a
check every round. Initially, I thought not. On re-reading, it seems
everything in the list (whether with a TL or TL modifier) requires a check. Is
this a correct interpretation? And do I (as I assume) remove the need for this
check once the unit abandons its wounded?