I don't know, do you think it would be worth the developement time, to make a realistic hit detection of fullscale body-mapping as detailed as down to finger-damage, especially if you have to do it on all models?
To me that sounds allmost as useless as the taking into account the planet rotation when calculating bullet-trajectory wich supposedly were done in Killzone 2, wich they removed for Killzone 3 to free up CPU-cycles. :-/
Resistance had some smaller target-area, like when you aimed for hoses on the breathing aparatus on the Chimera, you could shoot them off, and see the hose fly in all directions, stuff like that is cool. But it's no point in adding it, if we can't actually judge that it's where we hit, I think.
Might be cool with random events happening, like a finger flying one out of 20 times you hit a hand.
Resistance also had a weapon wich shot through walls, the more walls it went through, the more damage you'd take/give. :-/ Don't think it could be charactherised as 'flesh damage' tough, probably just a damage-modifier, since it were pretty powerfull, atleast in the second game where it were usefull against those invisible foes, didn't use it much in the first..
Killzone 2 probably have the best hit-detection system I've seen, not that into FPS's tough, only really liked The Darkness, Killzone and the Resistance-games.
Don't think it got finger-damage tough (lol), but I think you could shoot the gun out of the hands of the soldiers. And their animations and similar changed if you managed to hurt them in certain areas, if you hit them in the foot they might not be able to stand on that foot, and fall in that diraction, and similar. If you only hit their helmet it would go flying without doing damage to opponent, sooner or later you'll get a trophy for shooting helmets of X Helghasts.
It added quite much to my enjoyment of the game, but it's not really necessary to do it aswell as they did in most games. :-/
The coolest thing tough, is having fun with the bolt-gun, that really showed off the hit-detection, and physics. I don't know how many times I died because I ran up to the dude I'd just shot with the bolt-gun just to look how I pinned him to the wall, before beeing blown up by my own timed explosive on the bolt.
I'm pretty sure I never managed to nail anyone to the wall by the finger tough..
Dunno about the third person games, I think they are to hard to judge the hit-detection to be sure how accurate it is I think. :-/ Heavenly Sword did have some really cool stuff in the arrow-parts with Kai tough, that were really cool, but in general I find it abit hard to see where I hit, to react if something is acting strange.. :-/