prosfilaes
Adventurer
You're aware that we are talking about the difference between flavours of D&D, not between reality and D&D?
You did say "using D&D, GURPS, HeroQuest, FATE, 13th Age or whatever you want". I'm pretty sure the leveling in-world of D&D 5 would be noticeable, too; suddenly street thugs can land a fist on adventurers.