coyote6
Adventurer
From The Outlaw Josey Wales, Clint gives us some more advice:
"Now remember, when things look bad and it looks like you're not gonna make it, then you gotta get mean. I mean plumb, mad-dog mean. 'Cause if you lose your head and you give up then you neither live nor win. That's just the way it is."
Because sometimes you can't shoot all those men down before they shoot you, you have to consider the Missouri boat ride as an alternative.
& most importantly, "To hell with them fellas. Buzzards gotta eat, same as worms."
Of course, if the Outlaw Josey Wales were a D&D character, he'd probably not be 1st or 2nd level, so he'd have to empty his six shooter into the average monster before he'd have a chance at killing it . . .

Which is why I can't quite like d20 Modern; gimme GURPS or SW or SR or something like that, please. Let everyone be vulnerable to the gun (or sword, or spell).
Ironically, though, I'm not terribly fond of "save or die" spells in D&D for some reason.
OTOH, if you add in action/hero/whatever points -- a resource that every PC has & can use to mitigate the chance of D -- I'm much more accepting.
(Magic items and spells to mitigate SoD don't do it for me -- the one leads to the dread Christmas Tree effect, and the other just makes the spellcasters more awesome than the non-spellcasters.)