Re: Your "Oh #@$%!" Moment
I have two, one as a DM, one as a player.
The DM one is mostly just a strange case of luck. My friend, who is on these boards as greenbriar, was playing a swashbuckly sort in a Fantasy Hero game (4e). For some reason I will never understand, the universe decided that any hammer swung in his direction would invariably hit him the 'location 13'.
I've told this story before, but there was a small local con where people brought their own characters. Three or four of the characters were played by the 'high school twink club'. One of them had an Area Effect (or was it Explosive?) Killing Attack Damage Shield. He *thought* that would give him an 'aura', but that's a different construction. Instead, it meant that every time someone came in contact with him, he exploded.
So, one of the first things that happens in the ensuing battle is someone gets knocked back into him. *boom* It was at this point that we realized that nobody in the High School Twink Club had purchased Resistant Defenses. Explosion Man had also failed to purchase Personal Immunity, meaning that before Segment 2, the PC team was, almost literally, half dead.
I was quite happy I was playing a long-distance character, as it meant I wasn't clustered up with all the bruisers who got caught in the Big Bang. But once I realized all the implications of the Damage Shield, I definitely went Oh Feces ... and sure enough, the next knockback sent Explosion Man into a crowd of normals.