The Game Is Over
Sure, every DM and table is different. I don't mind how our DM handled things in that respect because I don't give things to help out the PCs when things go bad. If things go bad, it was probably because players took a risk they should have realized was beyond them. I like it when PCs RUN from monsters in my game. Our DM is similar.I don't really get into torture other than some generic "They torture you trying to get information." but no specifics. Some of the players go a bit more but we try to keep things PG13.
I also tend to give outs when things go bad or place things that may solve problems. I might place a potion of flying or climbing in a place they could find that will help them later or a scroll of regeneration/ raise dead at some point in the dungeon if the PCs are likely to die. It goes to the point of havine a player sitting for a night while the rest of the players bring his body back to town or such.
I did have an elf with one arm in a game but he also had a metal arm I stole from Dragonlance. I gave him some powers that went with it. I could see me giving something like this to a PC.