I am wondering if it is better to use a Mashall instead of a Chaplain, as it provides all squads with ld 10 to make these tests. I know Chaplains are wonderful h2h packages with the invulnerable save, the power weapon and the litanies, but I imagine Righteous Zeal is a real double-edged sword and something that you want to take care of by assuring your Crusader squads have better than ld 8 to take these (probably frequent) tests on. I guess it is the only way they could work this rule into the game mechanic, but it does strike me as a little odd that it'd make your religious fanatic squad of genetically-enhanced, ruthlessly conditioned psychopaths run away after one single casualty.
Oh, and is the EC allowed to join, say, a Crusader squad? The rulebook prohibits him specifically from leading or joining command squads - but I am wondering if this is an oversight and it is really meant he is ALWAYS an IC.