While I personally like the style of play in which the rules are not the physics of the world, I don't begrudge others their prefered play style. Now the one thing that I don't understand is the talk of how if a 20th level NPC falls off a horse and breaks his neck that it destroys their suspension of disblief. If I am playing a game that has dragons, magic, demons, efls etc, and really only exists in my imagination, I am pretty sure that I can stretch my imagination just a little bit farther to fit a high level NPC falling off a horse and dying. In fact I don't think it is a stretch at all but that just my opinion.