GURPS Damaging Future

Been wracking my brain with statistics for future setting weapons and armor and was wondering how people dealt with this? For example, Powered Armor has DR 100 and the weapons capable of bypassing this have an extremely high chance of killing the wearer outright. I've dealt with this by simply making enemy weapons that deal damage equal to 5d+80, but naturally if a critical hit is scored there's also a chance of outright destroying the wearer. The reason this bothers me is, as a GM, I don't want to outright destroy a PC (unless they do something so stupid that death is outright unavoidable, like when a PC randomly decides to detonate 10 bricks of C4 in a bathroom that is right next to a load-bearing beam in a skyscraper with everyone still in the building).

GURPS Damaging Future