Café de Nuit

Up to this point I have been using the unearthed arcana rules for sanity which I believe are modeled off the Call of Cthulhu rules.

But I have problems with this because the system punishes characters brutally for having low wisdom and makes those with a high wisdom all but immune to horror and madness (a first level character with 20 wisdom can see an evil deity without gaining any conditions).

I used this system because the core system does not have enough varieties of mental disorder and because a character can can suffer, a debilitating or lethal mental disorder, by rolling a one at sight of blood.

I was wondering If anyone had made any modifications to the horror system or found any other systems to recommend.

I'm playing edition 3.5

I would suggest the Corruption/Depravity system of Taint, outlined in Heroes of Horror by WotC. I will be using it in my upcoming RL game, hopefully to great effect.