Got a real simple hack for doing hits beyond armor in VDS: for every hit the PC takes, they lose access to one of their skills, and they gain 1 RESOLVE die. Once they have no more skills to lose, they are dead. Put 'em in the Dead Book.
Some have said that this seems to punish players for specialization, which I think is inaccurate. All this is gravy on top of the rules, so getting $2 for nothing instead of $4 for nothing really isn’t a punishment. The rewards in the system of being specialized are pretty obvious. This is just one little way that being more well rounded might balance those scales.