You are right on the liabilty aspects.
I shot some more today and fared a little better. Not alot, but better.
I am shooting the older four bladed Muzzys that have the 1" cutting diameter. The newer four bladed tips have a 1 1/8" cutting diameter. I picked up 5 cards of these on eBay about 5 years ago for only $30. I gave my Dad two cards and kept three cards for myself. I still have two full cards unopened and 3 unused heads. I've had to replace the blades a few times but the heads are near indestructible. My crossbow shoots best with the smaller cutting diameter heads. I tried using NAP Thunderheads that had 1 1/4" cutting diameter and they were all over the target. May just be my arrow choice that works this way.