I had a separate question about the curse: what counts as damage? If I have a Guard Dog and its reaction ability causes damage, does that count? Or does it have to be as the result of an attack by the character.
I think I have answered the question for at least this situation. I take a horror at the end of my turn, which is before the enemy would attack and deal damage that the Guard Dog could react against... unless the enemy is retaliating...hmmm.