Maxperson
Morkus from Orkus
Sounds like a lot of book-keeping (and house rules to remember) for something that is fundamentally farcical (see my post above about how I'm a terrible swordsman, and never dropped my sword by accident in dozens of bouts) and not even very fun in game. First time: "Ha ha you dropped your sword". Several sessions later: "Ha ha you dropped your sword... again... as all of us often do". If it happened as often as this, people would simply wear lanyards around their wrists.
"Fumbles" seem to be a thing that people put in thinking it will be cool (because more dice-rolling has to be fun, right?) when they're actually a bit rubbish.
It's actually virtually no bookkeeping since there's no need to remember anything other than the rule for the level you are at. The party uses one rule for levels 1-5, then ignores that rule when the next one kicks in. You only have to remember one rule, and you don't write anything do, so no bookkeeping to do.
It's also not just dropping swords. More things go wrong in the fog of war, or do you think people never slipped in battle. Things never broke or were never damaged. And with the dex check, it really didn't happen all that often, even at low levels, and became even rarer after that.