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Message: <blockquote data-quote="CubicsRube" data-source="post: 7641284" data-attributes="member: 6848185">From a purely narrative point of view, you could keep it simple and narrate damage to equipment if the pc goes to 0 hp.So a giant club caves in you breast plate, or the beasts claws rend through a chunk of your chainmail. Perhaps the enemy mages firebolt burns a whole in your padding.No change except the pcs that went to 0 a few times have armor and clothing beat to sheet by the time they get back to town!Not sure how to handle weapons though. Maybe narrative effectd when you take down enemies?</blockquote>