I completely agree. I use the sever damage rules as well, but the only times they came up were for a PC's broken ribs and internal bleeding, for an NPC getting a brain hemhorage after someone stun bolted him, and another NPC going into shock and soon dying after someone decided to try non-lethal with 14+ dice pool and Ex-Ex ammo.
Heh... *Shakes Head* How is Ex-Ex a Non-Lethal Option?