OK, well I got a warning last time I posted this, but hopefully a few edits will not get me another warning. I was hunting NCR army, with my 3 luck farming character. I took down a few soldiers, and then a hunting rifle npc shot me in the head for EXACTLY the remainder of my HP, and bypassed my armor?!? This is a glitch or no? If insta-kills are available on players, I suggest to change that because there is no way a simple hunting rifle should deal 154 damage, even with a crit... I thought 3 luck resisted bypasses, but I guess not.
Here is my proof.
(http://img4.imageshack.us/img4/4614/93479759.jpg)