Confession #2 -- In the games I've run, and even more so in the ones I've gamed in, The Dice Rule. Mostly because of 2 reasons -- firstly if there is going to be random chance, I'd rather the mechanism be a known and "transparent" (horrible PC phrase there) one. And secondly because Fate (as exemplified by the dice) is an inherent part of the fantasy mileu. I'd trust The Lady before I'd trust a DM to be objective when it's my character against hisr eleventh-level demon that will wreck his plot if my character kills it, but I *have* run the character through a flawless ambush and got a perfect back-stab/assassinate opportunity.