>     Players have their PCs do ridiculous stuff like sleep in their armor because they've been in
>     games where if they didn't, the GM would murder them in their sleep.

A long time ago now, my PC in a fantasy campaign was getting married (it was the climax
of a big long adventure).

I thought long and hard about wearing armour to my own wedding, even had my horoscope cast.
Eventually I decided against it. Sure enough, I got assassinated (shortly after saying 'I do',
which came in useful later on). The GM explained to me, after I cooled down a bit, how it
fitted with the storyline, and it did make sense. Sigh. I liked that character.

Jonathan