shadowoflameth
Adventurer
DMing, If for some reason a course comes up that the player, REALLY should not try, I like the phrase, You can try, but it may be suicidal. The exception is if it it's a hazard that they haven't detected, (which should be survivable anyway) or the intended last session of the campaign. That said, if the guy got to 5th without having an idea how hard things hit, then as described he was insisting on his right to get beaten up. Perhaps the rest of the party might have chimed in with some way to knock him overboard fog cloud the pirates, or otherwise bail their comrade out? Bottom line think D&D for Dummies. If something is very likely going to be fatal, make very clear that this outcome is a real possibility.