Rayp, heres an idea. Add a texture thats just a completely invisible black alpha image. Make the head and limbs their own group, then just change their skin to the invisible alpha image during gameplay and create a limb gib (should have a bone at the joint) and set its initial position and angle to the bone its being created on.

EDIT: Oh, and the assets in my game arent mine. Theyre all just placeholder (except the hud and sound which I made). I am not an artist, and dont claim to be. I am a programmer. Now if an artist wants to work together on this project thats fine. But until I can find an artist, I'll keep working on the programming aspect itself to make sure the game actually works as intended.