Haven't seen any threads relating to this skill.
I don't have the game yet but I've been keeping touch with the latest information via forums and whatnot.
In your opinion, is this ability worth it? Does it pay for itself?
The times when it works are really satisfying. The decreased health on top of making yourself a target means you aren't going to be revived nearly as much.
I like it. If you die at a nice place, (ex. next to a door where the low accuracy doesn't matter so much) sometimes i will stay there to provide some cover. People generally dont expect to be shot at by a body, so they are slow to react.
Its one of the first things I am willing to drop when making a multi-class build though. Its not a game-changing core ability, its more of a bonus ability to me. I take it if I have enough points.