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Its extremely useful at the end of a game when a gate is open but someone gets hooked. It also gives a would-be rescuer a much greater chance of saving someone who is being camped. You can be healed (or heal yourself) when Borrowed Time is activated, and if you heal before that timer runs out you don't go back into the dying state, you just have to heal again up to healthy.
Basically, it gives you a better chance to lose the killer should he be nearby when youre unhooked by forcing the killer to hit you twice or attempt to stick near you until Borrowed Time runs down. Whenever someone runs at me when I'm hooked and the killer is right behind them, the first thing I think is "you better damn well have BT if you are trying to grab me in that situation." Usually followed by "you are the BIGGEST ♥♥♥♥ " when it turns out they don't and the killer just smacks me down and rehooks me while person B runs off with their points farmed.
Yeah, it only soaks 1 hit. a 2nd hit will down them. otherwise you'd have semi-invulnerable people running around bodyblocking the killer while other stuff is going on.
he just has to hit you twice like every time
Thats the point: You have to hit twice... not one time hitting the rescued surv to down him again as it is without this perk... this often helps to leave the basement or loose the killer in a pallet or hidy town... Only if you have to take a second hit before loosing the killer you get downed again.
In L4D, your health slowly whittles down until you're essentially as healthy as a person on their death bed. That's represented by the 40 second time in DBD.
Also in L4D, you can take a hit that instantly kills you in B&W, even when you still have some health left. That's why you can be downed while the timer is still ticking in DBD.
Not saying this to you personally, as you have played L4D2, but I'm saying in general.
[In case my sarcastic tone isn't being conveyed, borrowed time screws over the unhooked survivor 9 times out of 10, and I wouldn't recommend using it unless you like that sort of thing].