Greenstone.Walker
Adventurer
Attacks still require a roll because the hit might not be effective through the unconscious creature's armour.If that was the case the unconscious condition would not say attack rolls against the creature have advantage
As to the original question, in my games, hungry undead (ghouls, ghasts, etc) will drag downed PCs off somewhere quiet to eat them. The first time I did this in-game, a couple of players looked at me with a shocked expression and said "you what?!". It was great. In one round, they went from "we got this" to "oh crap we could lose someone for real here!".
It led to a character death a little later where the party decided to split up across multiple levels of a mine when faced with more hungry undead. If I hadn't got the rules for bardic cutting words wrong then it would have been two character deaths. Hey, I warned them, "splitting the party is bad."


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