Arial Black
Adventurer
I find this argument to be disingenuous.I've always found this argument to be rather lame. Being in melee and swinging swords around is obviously going to lead to more mishaps than standing in the back not swinging a sword.
The wizard in the back is NOT merely 'standing in the back not swinging a sword', he is standing in the back 'messing with forces Man Was Not Meant To Know!' Without a possible negative consequence. Unless he casts a spell that involves an attack roll, easy to avoid if you find yourself in a slapstick...er, I mean...fumble rule campaign.
Where is the rule that says 'every time you cast a spell of 1st level or higher you have a 5% chance of having some extra-planar being permanently suck out 10 hit points from your soul'?
In the stories we read that inspire our games, magic is dangerous to even the powerful caster, but expert warriors don't act like the 3 stooges walking under a ladder after kicking a black cat. In fumble-rule campaigns, being more skilful with weapons makes you more clumsy than those who don't even know which end to hold, while reality is being changed by casters with zero chance of anything going awry.
Where is a rule that punishes the caster if the target rolls a nat 20 on their save?