In the Cosmic Era, the proliferation of arcanotech, cyborgs, robots, parapsychic threats, black market weapons, new illegal drugs constantly hitting the market, all backed up by large organized criminal syndicates, the average police officer doesn't stand a chance.
When was the last time a character caught a cold or flu? Real people get them every now and again even with solid heating and dry interiors. Your characters are out in the cold and wet, and even inside is not always dry and warm. Imagine having to stop your dungeon crawl, sitting in a tight defensive position, while you all are feverish.