I agree with you on Dixon's Two-Face - it really misses the point of what makes Harvey a good character and a good villain. The scariest villains, for me, are the ones who still have humanity left, who could easily have been something else. Two-Face takes that dichotomy and runs a mile with it, and it's tragic and fascinating.

I suppose I'll just decide that during these stories, Harvey lost the battle for a while and Two-Face took over completely, and the coin really is just a gimmick for him - and a way to make people think there's a fair chance when there isn't.

(As an aside, I really liked what they did with Harvey in No Man's Land.)