“ In the dry steppelands, one of their most valuable exports is the dried sap of the Larthorn tree. These ugly plants are covered with vicious thorns, but the locals harvest the golden droplets that ooze from their bark each Autumn. This sap, once dried, is valued for its medicinal properties and as a spice. Since little gold or silver is found in the hinterland, the dried droplets of sap are often used as currency by the locals.”
“ 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 PCs are accosted in a major city containing at least one famous fortuneteller / prophet of the future. They are informed that their as-yet-unborn child will (insert terrible evil), and that, although they are very sorry, the PC must be executed to keep this from happening.”