“ Pirates' many bejeweled rings and piercings actually had a practical purpose - when the pirate or sailor died, the rings could be taken off as payment for a proper burial, saving him from a watery grave. This could be tied into regional culture, or made into a quest (The Pirate's Lost Rings, etc.). Also gives treasure-seeking divers another thing to look for besides crusty old chests.”
“ As the PCs cross a brigde/tree over a deep river they see the glimmer of gold and jewels lying at the bottom. At further inspection they notice that it is the skeleton of a man still holding on to a sack of treasure. Will the PCs try to dive to get it? What killed the man? Did he simly not let go of the bag he could not swim to the surface with? What cleansed his bones so? Are there flesh-eating beings that dwell in the deep? Can the players resist the chanse of being wealthy for once?”
“ A shape-shifter of some sort has taken up a post at the War College of an enemy realm, where he secretly picks off only the most promising officer cadets, arranging bizarre accidents that gradually debase the leadership of the hostile army. In the long run, this will improve his nation's chances when the inevitable conflict comes.
As a shape-shifter he can impersonate superiors and peers alike and send the target candidate to the cleverly-prepared site of his (or her?) execution. As long as he is successful, no-one will ever know about the deception--even necromancy will only implicate the one impersonated...”