I like this idea. I mean, there's a co-worker of mine whose comeliness would be in the 16-18 range. It doesn't hurt that she's a great person on top of it, but it's that kind of attractiveness that just can't help but draw attention. Which is separate from (and actually kind of modifies) her...
... color me a postmodernist, but I'd say that is player-driven character development. If you choose for your PC to dive into lava (or take a risk of doing so), then it is your choice. The natural consequences of that choice may suck, but...
That said, I'm lucky enough to be playing with a GM...