I wouldn't be against an injury table as long as it's not simply "You got down to 0 you get an injury". Maybe something more like if you go down to zero because of a critical hit or something. Though I also haven't really found any injury tables that aren't too ridiculous since for some reason everyone has anywhere from a 10-20% chance of dismemberment.

I'm not against collective initiative. In my experience it does feel more fluid to let players go in a group. That being said, it can be especially painful when the enemy or sufficiently large mob acts in a unified group. But that's just the power of teamwork.