What happens if you reach your damage/horror limit with no face-down cards? Do you skip the wounded/insane conditions and just die immediately?
For instance: My damage limit is 5; I already have 4 face-up damage because I'm a terrible investigator. I pick up another face-up damage because also God hates me. Does that cause me to die without even going through the wounded stage? If so, that kind of sucks for me!
I have to agree with the above answer as well. It’s terrible luck but you’re dead.