Yea the bugs can ruin the game for you, last night before going to bedi chased a guy down with a shotgun, turned a corner and unloaded from about 5 meters away, both slugs hit him directly in the upper chest and didn't down him instead he show me twice with a p1911 and downed me.

All they reallyneed to do is make bullet damage a little bit stronger and the bugs will work themselves out.