Explosive payload is broken and makes your weapon do less damage than a weapon with out it in Crucible. I only did tests with a 140 rpm hand cannon but here are the results:
140rpm HC with explosive payload does a maximum of 225 for three consecutive head shots. Max player health is 230 with maximum resilience.
140rpm HC with no explosive payload yields 231 damage with three head shots.
Any character above 5 resilience in crucible can survive 3 headshots with a 140 explosive payload HC to the head with no over shield.
I also tried with buffs and yielded that the explosive payload HC was still doing a total of 5 less damage than a 140 HC even with buffs.
TLDR:
Explosive payload on HCs decreases the overall damage and this leads to being to not able to 3 headshot other guardians in pvp that have a resilience of 6 or more. I will update y’all on other weapons types to see if it is the same for those.
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Pretty sure payload perks on all weapons got shafted for pvp with the recent update due to the explosive damage always counting as a bodyshot (even when you hit the head)