Andre said:
The core rules of DnD do not mimic the real world. They have built in assumptions (notably, hit points, levels, powerful magic that is ubiquitous and reliable) that make a mockery of any attempt to use the rules inflexibly to account for every single incident. Some degree of hand-waving will occur in any campaign. Seems to me, the only difference is how much hand-waving the players and GM are comfortable with.
I was with ya 'till this point.
I don't think that the assumptions in the rules destroy a believable world. They may destroy a realistic world, but not a believable one, where some people are Heroes and some people are Mere Mortals. Heroes don't die from freak accidents and they slay dragons. Mere Mortals die from freak accidents and die AWESOMELY before the might of a dragon. The fact that both exist in the implied D&D setting means that Heroes are needed to defend and protect Mere Mortals in a world where the evil and dangerous things come with teeth and claws.
IMO, the hand-waving should be possible within the rules. In the language of the OP, they should be rules-plausible. Heroes dying by freak accidents really isn't. If the rules change to make such a thing possible it is, but how much work do we really want to go through to emulate heroes dying of freak accidents when we can just say "They don't," and usually get a more interesting story out of it. Me, not much. I don't need to emulate a heroic chance for a freak accident, I just have to make sure that, like the rules say, most of the people in the world AREN'T heroes. But it's not just the PC's that are, either.
Anyway I'm not of course trying to model the real world, merely a setting that bears some resemblance to the real world. Like I said, that requires that real-world events can happen in the game world, at least off-camera.
Then why would anyone be 20th level in that model? Something like E6 sounds more the speed of the real world. Something like a 1st level Aristocrat is more like the real world. A 20th level fighter is ludicrously beyond the real world because of all their heroic abilities. Rather than shoehorning this nigh-demigod into a "real world," I find it much more consistent to note that the 20th level fighter is a kind of creature that doesn't exist in the Real World, just like Magic Missile is something that doesn't exist in the Real World, and Kobolds are something that don't exist in the Real World, and so he can, believably, be immune to freak accidents, while a more "realistic" creature like a 1st level Commoner can still be subject to them.
20th level fighters don't exist in the real world. Heck, 10th level fighters don't exist in the real world, and even 5th level fighters are a grand stretch. This world's inhabitants are Mere Mortals to a man, even if they're really super-cool mere mortals. Thus, great people can die from freak accidents, and do, all the time.
I don't see any need to have freak accidents happen to the Heroes of the game just to maintain believability or a resemblance to the Real World.
PS:
KB, I think the wording of the poll is a bit wonky. The actual question asks if you like it if things are NOT rules-plausible (meaning I'd answer no, I don't like it), but the thread title suggests my answer would be YES, I DO want things to be rules-plausible....so I think the results might be wonky...