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Message: <blockquote data-quote="Oofta" data-source="post: 7965086" data-attributes="member: 6801845">I think there's a lot of meta-game logic going on here.  NPCs don't know they have HP.  They don't "know" whether or not one hit will not kill the PC.  As far as readied actions, the trigger is just something that can be perceived.  I rule that "starting to cast a spell" is a valid trigger.But let's say you wait until after the healing word has gone off.  The PC now has a handful of HP and he gets an immediate attack probably with advantage (either prone or grappled).  There's a pretty decent chance that it will knock the PC back to 0.  Repeat threat.As far as morale, I don't have anything official but I try to take the NPC perspective into account.  Again, they don't know they have HP and it depends on why they're attacking. More importantly, many people that have been shot say that they did not realize how hurt they were until a minute or two after they were shot.  There are many accounts of people taking mortal wounds but continuing to fight until they literally fell over.So there's not one size fits all.  Do what makes sense for the scenario, but people have always been willing to fight to the death for a variety of reasons.</blockquote>