[AreaOfEffect]

The moral check comes before the opponent takes the damage. The idea is that the opponent sees that charging you will result in injury, thus they make a moral check to be brave enough to take the hit in order to do damage. Also, I'm pretty curtain that a brave opponent takes only a point of damage regardless of things like armor and damage.

You'll know when you've repelled an attack when you see your unit use an attack graphic on the opponents turn.

I think repel is much more useful then most people think. Individual units will fail moral checks more often then you think. For example, Awe +0 forces the same moral check and everyone knows how effective that is. It may be less useful for thugs, but size 2 sacred spear warriors are quite effective both offensively and defensively when given a fire bless.