Technik4 said:
Mike, I agree, but its also a little sad. I mean, why should characters NEVER try something that may be statistically unwise to do? I'm sure heroes out of legend occasionally did things even if they looked really bad, and sometimes it pays off.
There's "looked really bad," and then there's, "oh, come on."
That said, sure. There are reasons why you might want to pick up the -6/-10 penalty. I'll construct one here (be warned, it'll be very, very strained):
You're fighting an undead critter. It's guarding a Doomsday Device (tm). If you don't kill the undead
this round, you won't be able to to disable the Doomsday Device before it goes off, and everyone dies. You know, or are relatively certain, that the undead critter has a larger number of hit points remaining than you can theoretically do in one round.
So you quick-draw your backup mace or whatever, and suck up the -6/-10 penalty, hoping you get crazy lucky and hit with all of your attacks and that's enough damage to put you up over the top of the hit points. It's, probably literally, a 1% chance, but you've got little to lose. In a movie, you'd win at the last second.
In D&D, barring a GM's liberal application of Rule Zero, 99% of all campaigns that had this situation would end right there.

D&D is not a particularly forgiving game in terms of "doing things that sound crazy, but just... might.... work!" For such things, a drama-point kind of mechanic is what you want. D20 Modern's Action Points might be a step in the right direction.