I really like this approach. How have you used it in conjunction with setback outcomes? Like if the risk is “you take harm” and the player rolls a 3-4, would you have them make a modified stress roll?
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I honestly just use it any time physical harm or mental duress (like in a horror scenario) comes into play. Sometimes on a roll of 3-4, depending on context, I may use it or I may go with some other minor setback in the narrative.
TL;DR – I handle 24XX with lots of handwavium and “what feels right” and I’m sorry I don’t have a more concrete answer lol