i dont think this low hp skill factor should be allowed, there have been many instances of Low morale (not battered) losing to a high morale but battered unit (japanese conquests reminds me of this), while cases are present that a battered unit automatically loses it's will to fight, an example would be German armies surrendering to Foch as soon as he started the 100 days'offensive or in case of ww2, the BEF which upon evacuation was never remobilised as they were too Shell Shocked.
Its unneeded in a gaming setting like this where people want simplicity.
