You have two very questionable ways of arriving at this. First, if it applies, it doesn't matter if there is a roll or not:
rolls and totals
Since the lack of a roll does not stop the penalty from applying to a total, we can look here:
SOAK TOTAL: Stamina + Armor Soak Bonus
So this is explicitly a total. If you say it should apply to Soak, then it applies to this whether you have a roll or not. You could come at it from a different angle: it's already applying since it factored into Defense Total, so it shouldn't apply again. Of course, that's pretty sketchy logically because neither Defense Total nor Attack Advantage (which includes Defense Total) factor into Soak Total. Technically, if it applies to Soak, then in regular combat you're supposed to apply it to Defense Total and then again to Soak Total since they're two independent totals.
The second questionable part is how you argued for "all," while "all" is an adjective there, not a noun. What does "all" modify? "Actions." You roll Soak even when you're Incapacitated; there is no exception to Soak rolls for things like that in the rules. Incapacitated says
Obviously, Incapacitated characters can do nothing
Are you saying the Incapacitated character can perform an action? If I look up "action," I get things like
the fact or process of doing something, typically to achieve an aim.
a thing done; an act.
something done or performed; act; deed.
an act that one consciously wills and that may be characterized by physical or mental activity
the process of doing something, especially when dealing with a problem or difficulty
Are you really saying an Incapacitated character can perform an action when they explicitly "can do nothing"?
I'm not saying you cannot choose to apply it to Soak rolls. Your game, feel free. What I am saying is that any statement that the rules imply you should is extremely questionable due to these two issues.
I'm pretty sure there is no cap to Wound Penalties. What do you think that cap is?
There is no maximum limit to a characterâs Wound Penalty, and characters cannot die immediately from non-fatal wounds, no matter how many there are.
Because the book says so:
Non-combat sources of injury have a damage bonus, which is added to a stress die to determine the amount of damage done...
These rules are also used for calculating damage inflicted by spells.
Not only that, this statement has been ruled to apply to spell damage that comes from Finesse-based attacks against a Defense, rather than using Attack Advantage, as well.