In PnP D&D, characters can get taken out very quickly by instant death spells (Finger of Death, Disintegrate, etc.). How will these spells be handled in DDO?

According to our resident PnP D&D expert, most DMs reserve these types of spells for special encounters, and give their characters fair warning before facing them. We're taking the same approach in DDO - high-level characters don't have to deal with these spells every time they turn a corner, but they probably want to be protected by a death ward spell before they take on that really powerful necromancer.

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