steeldragons
Steeliest of the dragons
I'm pretty sure I read something somewhere about a dragon's physical attacks being considered magical weapons for the purposes of bypassing mundane weaopn resistance/immunity...maybe I'm confusing 5e with my own homebrew again...
But, bottom line, if you made it ok for a 6th level mage to become a lich, you can have a silver dragon bite off the lich's arm..,any time you want...on any decent/normal hit with their bite attack. If you want a "system" for some illusion of "balance" or fairness, make a grapple attack or insist on a restrained, prone, or incapacitated condition necessary first...then the bite hit is automatic and you can bite off whatever you want.
But, bottom line, if you made it ok for a 6th level mage to become a lich, you can have a silver dragon bite off the lich's arm..,any time you want...on any decent/normal hit with their bite attack. If you want a "system" for some illusion of "balance" or fairness, make a grapple attack or insist on a restrained, prone, or incapacitated condition necessary first...then the bite hit is automatic and you can bite off whatever you want.