Missing a whole bunch of turns in a dramatic and narratively satisfying way. (At least, in theory).
And, I like making characters. I'd much rather start making a new character than wait to roll yet-another-impossible stun-save (assuming I even get them. Remember when ghoul-stun knocked you out for 1d6 or so in-game MINUTES?) ZzzzzzzzZzzz.
The difference is, if you happen to succeed (or chose to do one of the few options left to you), then you did awesome "under the circumstances" rather than "did nothing".
Part of my original point was that I don't mind things feeling "difficult" (unlike a lot of people here, I actually like the idea of playing with penalties from being wounded). What I don't like is "feeling" like I'm fine, but "stuck".
Actually, that's psychologically revealing - I don't like feeling stuck. Ever.
I'd rather be crawling along on my "last legs" desperately trying to bite a wizard's ankle, than being "frozen" but otherwise unharmed from Hold Person.