I think this is also the order of "success" from easiest to hardest
Chest is small amount of -str (maybe -con) AND a bleed for 4 or so hrs (this is the only location that causes bleeding)
Shoulder is a small amount of str/dex
Leg is dex
Arm is str
throat is a silence (like tigerclaw)
That said, your best bet is likely a stealth character...and also your best bet is to catch them coming from/going to the Inn...rather than killing them in it.
Because pallies in general have really high saves, by virtue of their own communes. Bless/Crusade is pretty substantial... I can't believe the player would walk in without those communes up...but I guess it would be possible.
This leads me to think that your proposed threshold of it becoming 'not happening' is incorrect.
And have been bandaged/etc while in a 1 on 1. Also, Defenders are not bound by parity, they are bound to 'protect' their brethren by providing such said support. Unless a RBW explicitly tells me not to, they get field dressings while fighting anyone/anything/anywhere....and I've never even gotten a 'minor talking to' over the course of 10 or more years....