I love DnD.
Just seeing this post reminds me of the time I lost my level 10 Monk by rolling a critical failure on my Staff Jump, which was a special acrobatic move for my character to enhance the "Jump" skill. I critical failed it and ended up using my reflex save to try and catch the ledge, I needed at least a 3 to succeed... Rolled a bloody 2. character falls in lava and has an unrecoverable body, so I needed to start from 0 again. Good times.