The following is how we handle it in our group, which not necessarily reflects the official rules (although I hope so
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I have a rather general question regarding spell-casting: When does various penalties apply? Such penalties include minuses due to crits or hits taken,
For non-physical activities, like spell casting, we apply minuses to hits taken in full and minuses due to wounds in half. This would apply to SCSMs.
minuses due to PPs used,
Applies in full
minuses due to exhaustion,
Not normally used by us.
general SM-minuses (is SCSM a SM?) and other penalties I can't think of right now.
We seldom use other SM mods than the ones mentioned above. At least none comes to my mind now.
And what about conditions like "must parry" and similar? (Stuns have been discussed in a previous thread). What penalties applies to SCSM?
Must parry incurs a penalty to maneuvers (-25 in RM2, which we also use for RMSS/RMFRP) which we fully apply to SCSMs.
What penalties apply to E spells? To F spells? Do any penalties at all apply to U or I spells?
Regarding the SCSMs all spell types are IMO the same. We would apply the modifications for hits and wounds also to the Directed Spells OB of appropriate E-type spells.
Would sufficient penalties from hits or crits disallow automatic spell-casting, and thus require a SMSC? Sure, we do things our way, but I would be interested in hearing what others do too - as well as how you read the RAW.
We do not require SCSMs it a character has penalties from hits or wounds but otherwise fulfills the requirements for automatic spell casting.