“ The PCs accidently start a fire and are caught by the local law enforcement. Since it was accidental, the punishment for the PCs is to fight the fire. Providing they can put it out before it burns down the town, they will not face any further punishment.”
“ Magic is the lifeforce of all living creatures, and it is from it that all life is made - in areas with lots of undead, magic might actually be missing or weak, which puts a whole new spin on how dangerous the undead are. Even simple zombies can be troublesome if you're relying on mages and you hit a pocket of undead making a low-magic zone...”
“ 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.”