At the request of some folks, I put together this handy flowchart that shows the steps to Smallville's contest rules. It looks more complex than it really is since the top half and bottom half are identical except that "Player A" and "Player B" switched.
You can see the "main line" of blue bubbles that describes the spine of contests: the quintessential "give in or fight on" decision tree. Stress is in the yellow bits, giving in in the orange bits.
Hope y'all get some use out of this!