So just as a thought excercise....
'Zombie apocalypse starts with people dying of the infection and then a couple minutes later rising from the dead. Driver dies at wheel of 18 wheeler truck. This careens off the road into the house your playing RP at. Causes massive damage. In the collison, carnage etc you break both your legs, your friends are unhurt but there is a fire and gasoline is spilling into the front room...There's not too long before the whole place goes up. At this stage there aren't actually any zombies. What's the plan?'
Euh die? With my gm we'd be rolling to see if the truck blows up and if the house collapses. (and probably increasing chance each round aswell) Starting the game with two broken legs does up the dificulty level so to speak. Hell i can't even eb an effective zombie if i should ever get bit.