“ Temple of some malign being invites you warmly and offers help (curing,needed spell etc) for some minor sacrifice . Sacrifices must be everytime bigger to work - up to living inteligent creatures. Maybe you pay some other price,too...”
“ Diseased people, (leprosy or any other such fear inducing disease) when traveling, will often times wear a cloak that entirely covers their body and ring a bell as they travel, used as a warning for any others to stay away. Could be used for a disguise or safe passage. ... you meet strangely cloaked people, sometimes ringing a bell. 'Please give us something to eat, mighty heroes!' This is time to show how good they are.”
“ Rain slowly builds, thunder and lightning continue to roll in. Road muddies, horse/wagon getting stuck in the mud. Thunder strikes coinciding with a deep hole a horse just walked in, horse panics, breaks its leg (maybe just sprain?). Horse is decompacitated and the rain just went from pouring to an all out monsoon. Shelter needs to be found, horse needs to be taken care of, covered in mud, add the posibility of items being lost to the confusion with the wind and dealing with spooked animals.”