dm_fromscratch
Explorer
Interesting thought and brings up the question of how mechanical vs how narrative the curse needs to be. I’d ideally like a balanced approach, one that does apply some simple but unique rules that have a basis in the world’s lore so they don’t feel like they were just arbitrarily added.In a lot of ways, you could consider the downsides of the caster classes they already have as curses. Wizards and Sorcerers only get d6s for hit dice-- is that due to them not getting enough time in the gym to get healthier, or is that perhaps because they've been "cursed" to be weaker than most other normal people? It depends on how you frame the narrative to the players. Why can't they wear armor when casting spells? Is that because they just were never taught how to put armor on and wear it successfully while casting, or is it they've been "cursed" to not be able to wear any sort of protection on the battlefield? Again, it's all in how you frame the class's mechanics as part of the narrative of the world.
And then if you find the natural low-points of the caster classes are not enough for you in terms of "curses"... you could choose to go further by making some additional changes / amendments to the wizards and sorcerers so that they are unable to compensate for these hinderances that the class mechanics give them. For instance, you could say that wizards and sorcerers cannot raise their CON score above 10 so they will always be cursed to be low on hit points and perhaps you remove Mage Armor and Shield from their spell lists so that they are always cursed to be easier to hit?
In terms of balance, the game takes these possibilities of low HP and no protection spells into account-- they don't force wizards and sorcerers to raise their CON to make up for their d6 hit dice and they don't give Mage Armor and Shield to these classes for free as a repayment for not giving them any armor proficiencies. They allow for these possibilities to occur and the game is set up such that it still works for them if it does. Now granted, most players DO choose take these things on their own in order to compensate for their class shortcomings because the game lets them... but the game will still work even if you don't.