Last weekend in the middle of a solo, low level adventurer encountered a low level monster on the way to the exit with a pile of loot. After a couple of exchanges they are both looking worse for wear, neither side skilled enough to try anything clever.
Adventurer rolls magnificently, disposes of enemy! But..
Evil dice gods laugh...
Enemy rolls a couple of Spite, just enough to get through armour and dispose of adventurer. Reminiscent of scene from Boorman's film Excalibur ( "let us embrace at last" etc). Can't remember that ever happening to me before.
New character rolled up to try again, fumbled on first saving roll, had a career of 30 seconds.