I wish I had as much choice as you do - unfortunately, a Plasma Gun Veteran teammate in the back rarely cares about it as he blows up the Flamer in front of me. They should stop the explosion from going through the toughness is the first thing.
If the game was to be realistic then we’d all lose characters permanently every time they die, and getting a Crusher overhead would immediately send you to the loading screen for Mourningstar - amongst a thousand other things.
But like all other people bringing ‘realism’ into game balance, you only do so when it’s convenient for your argument :^)