couldn't be bothered to read all this slop so far. but my few cents is that it would good to limit wanton griefing/razing. but rather per time, which makes little sense, guys will come back next day fresh as daisies and continue demolishing your village. i'd put that limiter to the area affected. could be whole claim as one or with factor of a distance.
and most fun punishment I can think of is reducing in % of your inventory as you keep going with your destructive and combat actions. so, after you accumulated enough bodies or bashed cupboards, your inventory goes to the shitter. and that would be non-removable timed debuff rather than a wound. hhp wounds make little sense.