At a Quick Look. I like what you have done here.
Will give it a test play or two and give you some feedback.
Great!
Want to see if I'm following correctly.
In your example - The referee decides the guard is dim witted, so the difficulty die is d4.
So the player rolls whatever Wit dice they have assigned?
Correct. The player would roll their characters Wit die and the referee (or player) would roll the guards Wit die (d4) and compare the two results to see who wins.