The only time that one of my PC's has died was when another Player was controlling the character at the time. All the characters were only 1st-level, and a lucky goblin scored a critical, which incidentally brought her to exactly -10 hp. I fudged the rolls and made it -9 instead and "forgot" about losing hp from dying and stabilization.
I didn't think it was right for a character to die because of such crappy luck at such a low level, especially when the Player wasn't even there.
I didn't think it was right for a character to die because of such crappy luck at such a low level, especially when the Player wasn't even there.