“ 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.”
“ At regular intervals, a god takes control of your world's weather. Choose the gods at random each turn of the interval and begin applying their effects subtly. Their power will depend on the strength of those who worship them.
For civilised people, worship of a god actually wanes during that god's month in an effort to reduce their potential destructive effect.”
“ is a lovely golden necklace that gradually transforms its wearer's skin into gold. Given enough time, this will prove fatal, but the wearer cannot remove the deadly jewelry without assistance. Some might be cruel and greedy enough to leave it on its victim...”
