“ 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.”
“ The accepted mode of getting otherwise unobtainable information is to go visit the cranky old hermit living in the mountains. It's just the sensible thing to do. So, naturally, everyone takes their monthly excursion to the hermit's hovel to consult him on everything, from lock-jaw to lovesickness, necromancers to nasal viruses.
Now, if everyone's always visiting the poor old hermit, there's going to be an enormous queue... 'Wellcome to the Hermitt's Hovele, Please Take Ye a Number and Have Ye a Seate' reads the sign outside the packed dwelling.
Imagine the poor hermit, having retreated into the mountains to escape this precise situation...”