I think the 'fight-on' rule is a poor translation of a, *gasp*, RuneQuest rule. RQ zombies, IIRC, had to have all their hit locations destroyed to destroy the zombie. Thus spake the simulationist game.
But in dramatic terms, a zombie is merely able to keep fighting longer than an otherwise-equivalent-monster. In HW rules terms, I'd say that means many APs. Normally, many APs means a big ability rating, but you can have many APs with a small ability rating if you switch abilities during the contest. Perhaps a cleaner way of describing zombies would be to give them a poor Close Combat ability, but an enormous Already Dead ability. Zombies would attack with their Close Combat, but defend with their Already Dead.
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