The first hand comes in the opacity of the system, many people can't seem to disentangle the logic of all the elements that lead to the odds of an attack result already, without going out of your way to make it more difficult to figure out. . . .Going from HARP d100 then /5 to d20fie it, then to 2d10 takes you back to a percentile system (there are 100 possible results on 2d10, just most of them are equal in summed value) but hides the results behind the dice.
It's like using Babelfish to translate from English to Italian back to English. . . .you succeed in confusing everything enough to utterly change the meaning.
Is GURPS fantasy utterly different from Core d20? Well, they're both FRP games, but within the set, they'd be considered utterly different from each other. HARP d20 is HARP d100 played with less granularity. . .HARP 2d10 is less like HARP d20 and more like HARP d100, just done in a manner that makes all the odds different and shifts the overall logic of how modifiers apply.
I'm sure if it was popular enough to attract a signifigant following, the 2d10 variant players and GMs would be able to lay out loads of examples of how things just play out differently.
This is one of those apparent/actual variations. . .The Combat Companion is another example of something that appears not to make many surface changes, but in tampering with the odds inside it causes radical changes in how the game works in play. . .
To offer an aside cue to variation, the min/maxing methods are very different in straight die linear probability systems than multi die curve systems (if the cheaters can detect and exploit it, then it's not merely a "feel" variation.)
To offer an example non RPG related:
A Toyota Celica coupe is very different from a Ford F150 Pickup truck
But the Toyota Celica is far MORE different from a Toyota Prius than it is from a Ford F150. . .despite all their differences, the two internal combustion engines are more alike than either is to a hybrid electric motor. Regardless of the fact both are coupes using Toyota parts, the difference under the hood is a BIG difference.