Iosue
Legend
the bard nat-20'd a death save (which we rule brings you to consciousness -- not sure if that's a house rule or as per RAW)
That's RAW. You're unconscious at 0 and regain consciousness when you get a hit point. Natural 20 on a death save gives you a hit point, so you're conscious again.
I actually had a TPK at Wyvern Tor in the game I ran. The party was playing it quite safe, scouting ahead, making plans and then...the Cleric just basically went "FOR GREAT JUSTICE!" and stormed the cave, and the rest of the group scrambled to back him up. Ogre + I forget how many orcs vs 4 Level 3 characters. The party didn't last long...