“ 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 peasants of the wood use crudely carved symbols to ward off wolves. They think the symbols are emblems of purity and goodness and that keeps the wolves away. The symbols work, but not for the reasons the peasants believe...
The symbols are actually arcance evil symbols which the wolves know and fear, but to which the peasants are oblivious. So how gullible are the peasants going to be when a strange horned man displaying the symbols on his shield turns up and asks for their allegiance?”
“ One of the PCs comes across a magical ring that grants some power but has odd aura as if cursed. Yet this curse is different than the standard curse. When the PC puts on the ring he/she suddenly feels married. There is now an illusionary woman, who he/she cares deeply for but who is also always very critical of the PC. The wife is demanding of attention and constantly giving the PC directions. The PC wearing the ring is the only one that can see and hear the bride. The curse can never completely be lifted. Even if the PC takes off the ring and somebody else puts the ring on; the PC will still be visited by the ex-wife at least once a month. During this visit she will demand money and apologies.”