I tend to say "no", especially in games where such effects can target the player. I think at the least there should be a way to avoid a one-headshot-death (a perfectly plausible one exists in real life; it's called a helmet.) I still haven't forgiven "Gun", an otherwise fairly good game, for teaching the player all game that headshots were the way to go and then having a boss who was immune to headshots... because he was wearing a breastplate. (Seriously.)
It's all well and good for headshots to do extra damage, especially when the game's mechanics make it difficult to get one. But unless the intent is for sniping to be the be-all and end-all of the game, it's poor design to make the player try to make every shot in every fight a slug to the cranium. If nothing else, it's well to consider that a shot to the heart is every bit as likely to be lethal, and an untreated shot to the abdomen is quite likely to be lethal as well. But most of us don't tend to enjoy games where being shot in 60% of the body is incapacitating and potentially lethal, especially when the same rules apply to our own characters.
It's all well and good for headshots to do extra damage, especially when the game's mechanics make it difficult to get one. But unless the intent is for sniping to be the be-all and end-all of the game, it's poor design to make the player try to make every shot in every fight a slug to the cranium. If nothing else, it's well to consider that a shot to the heart is every bit as likely to be lethal, and an untreated shot to the abdomen is quite likely to be lethal as well. But most of us don't tend to enjoy games where being shot in 60% of the body is incapacitating and potentially lethal, especially when the same rules apply to our own characters.