A mix of those two could be intresting.

And would we get to choose what are Insane thing is, or is it random and dice rolled?

Also, after a while of demon hunting/cult killing, wouldn't people get used to these things and the sanity checks would be less intense?

I think FZ already pointed out that you do get desensitized, but if you go long enough without seeing something like it the desenitization wears off, and you go back to having to make unaltered sanity rolls.

If the stronger willed people cleaned up the scene, it would probably take away the sanity loss for the rest since there is no longer a horrible scene of death and mutilation to witness. However, it won't always, or even usually be murder scenes, most of the Insanity Checks will come from random monsters or sudden horrors you can't defend against.

EDIT: krylo covered it. Also, I think I mentioned it, but as our Cthulhu Mythos goes up (Some things make it go up against your will as a warning), you maximum Sanity goes down, and as time passes it is harder and harder to resist your sanity rolls.

Also, to a degree you choose your sanity loss, and that is a list of possible repsonses, but if I don't like how the RPers cover sanity losses, I will switch over to a die system and you will have to deal with what I randomly throw at you. Also, some scenes force your to react a certain way if you fail a sanity check (Say, if the huge monster appears, anyone that passes sees the monster, but those that fail could instead see the illusion spell the monster cast on itself, and may instead see the monster as a friend.)

And like I said in the attachment, Indefinite Insanity your definitly consult with me and we both decide on something.

New items:

Playing Cards
Wrist Watch
Pocket Knife
Flashlight(or whatever it would be)
Crowbar

By chance, if we consistently fail Sanity Checks, does our Sanity go down over time?

Like, with my luck, I'd fail sanity checks on every single mission. After six or so missions, would I be harder to drive insane, or would I be more suseptible to it?

This is a warning, not from the game, but from research I just did Lazy. The thing closest to a modern flashlight would be a Carbide Lamp, HOWEVER, there is a chance that the Carbide Lamp could spring a leak and explode. I would say while the lamp is on I will do occasional Luck Rolls or some sort of roll, and if it fails, the lamp breaks and explodes in 1-2 rounds. A gasoline lamp is the other alternative, and they are mostly safe unless they are suddenly dropped or broken. Then they too may explode on you, but while just carrying it I believe they are safe. Your call on one of the two.

As sanity drops, bascially the lower your sanity the weaker your mental state, thus a 30 might mean someone who is jumpy or prone to be afraid of the dark, while someone with a 90 is an iron rock that laughes at fear. As your Sanity Points go down, you become more likely to fail your rolls.

Only Cthulhu Mythos can permenantly lower your Sanity, everything else can be healed with time and therapy.

Alright then, replace it with a gas lamp.

Updated.

If its not to much trouble id like to change a few stat points. Here are the new numbers:

Stats:
Strength-7
Constitution-9
Size-10
Intelligence-16
Dexterity-5
Power-10
Appearance-4
Education-19
Sanity-50

Non-stats:
Hp-10
Mp-10

Idea roll-80
Luck roll-50
Know roll-95

I made no changes to any of the things that would effect my skills so it should be easy.

Updated. It dropped your Dodge 2%, but that's not major. (Starting Dodge is equal to DEX x2.)