In a project I am working on attempting to create a paranormal investigation game, Fiends and Phantasms, I added Karma points to give the characters a better chance at surviving while not necessarily making them overly strong. The Karma points allow reroll of failed rolls. Thoughts on that?
I was also thinking of another mechanic to add to the ML20 system -- HP Combat Bonus or Power Through. You can take your Level from HP and add it to your attack roll. Sort of on the same theme as magic users in ML20.