scarymonkey said:
Its just this sort of thinking that causes unrealistic actions to occur in the game.
Screw realism.
If someone had the drop on you with a crossbow and you knew he would shoot you before you could possibly get to him, would you attack him? But in the game, you would probably attack without too much concern as long as you have more than 10 hps. This metagame thinking is due to the lack of an instakill threat in every combat.
For every example, there is a counterexample. In _The Long Kiss Goodnight_, Geena Davis' uber-badass ex-black op is confronted by a thug waving a gun at her. They badmouth each other for a bit, and then Davis slaps the thug's gun away, twists his arm round, and uses his own gun to shoot another thug sneaking up on them.
High-level D&D characters are larger than life. They shouldn't be bothered by mooks who are way less proficient than they are, except maybe in overwhelming numbers.
Yes, this sort of thing could lead to more pc deaths. Or maybe it would encourage pc's to try other ways of overcoming obstacles rather than just trying to kill everybody.
Then don't play D&D.