In my mind, players characters are heroes by definition no matter the game system or setting.
I am rather fond of the grim-and-gritty style and settings myself and I can identify with your point of view. However, I still like the concept and have no problem with using this mechanic in conjuction with a grim-and-gritty setting. It just has to be mananged properly, and the benefits of the mechanic have to be carefully balanced so that it doesn't drastically alter the flow of events (i.e. spending a point mystically heals all wounds, etc.).
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