If it falls like a duck in lava, it dies (no save).
Of course! But it's also the DM's job to provide "the Duck" all the tools it needs to avoid falling in the lava in the first place.
Also, what you're talking about isn't a Save-or-Die situation. You're talking about "
You're Dead-No Save".
I just happen to be watching Star Wars at the moment, so how about these for examples:
Luke has just lost his hand to Vaders lightsaber, and been told that Vader's his father. Rather than give in and surrender to Vader, Luke takes the only real option left open to him...a Heroic and Honourable option...he let's go and simply falls...
The DM decides that instead of just splatting (Save-or-Die) at the end of his fall (cause where's the cool Heroism in that?), he has Luke fall into a ventilation tube and slow down as he slides through it's twists and turns (battered but still alive). But, the DM isn't done with him and wants to keep the tension going, so he has a vent door open just beneath where Luke has come to rest:
DM: Luke, make a Reflex save to grab the antenna...
Luke: Damn! I rolled a five...I missed!
DM: too bad...your dead. So much for redeeming your father and destroying the Evil Galactic Empire. As your body falls into the gas planet of Bespin and is slowly crushed by the increasing atmospheric pressure, you get a flash of the future from the Force. You see the Rebellion crushed, your friends dead, your Father completely lost to Evil, and the Galaxy eventually fully corrupted by the Emperor. Pity.
OR
DM: Luke, make a Reflex save to grab the antenna...
Luke: Damn! I rolled a five...I missed!
DM: Yes...you miss grabbing the antenna with your remaining good hand...but, you land on a crossbar in a seated position and then fall backwards, barely hooking your legs over it and stopping your fall. You're now hanging upside down and can feel the antenna groaning and threatening to break free... What do you do now?
OR
DM: Luke, make a Reflex save to grab the antenna...
Luke: Okay, I realise that If I miss this I'm quite likely dead, so I'm going to use an Action Point for a bonus on the roll...Okay, I roll a five, but with my bonus from the Actio Point I have a 15...just made it!
DM: Yup, you
just made it, so...you miss grabbing the antenna with your remaining good hand...but, you land on a crossbar in a seated position and then fall backwards, barely hooking your legs over it and stopping your fall. You're now hanging upside down and can feel the antenna groaning and threatening to break free... What do you do now?
Also, using the Lava example, imagine what Star Wars Episode III (Revenge of the Sith), and all the remaining stories (the originals), would have been like if Anakin had needed to make a Save-or-Die roll for falling into lava:
DM: Anakin, you fall after a devastating hit from Obi Wan. You've fallen into the edge of the Lava lake! Make a save...
Anakin: Rolled a 2...Damn, I missed!
DM: Sorry, you're dead. Without your support, Palpatine is now unable to fend off the remaining Jedi Knights, and his Empire fails before really getting started. The Jedi now face the challenge of restoring a Republic Senate in tatters...
OR
DM: Anakin, you fall after a devastating hit from Obi Wan. You've fallen into the edge of the Lava lake! Make a save...
Anakin: Rolled a 2...Damn, I missed!
DM: Yup, you missed. As you slide into the lava lake you feel the intense heat begin to burn your limbs away. The pain is phenomenally intense. Only your hatred and the power of the Dark Side keep you from succumbing to unconsciousness and inevitable death. The pain and hate solidifies your focus to someday see Obi Wan dead at your feet...even as he pulls your ravaged body away from certain death. From this moment on you are no longer Anakin Skywalker - you are Darth Vader...and you will have your revenge!
I know which one's I would choose as the cooler option...
