After a hard day's work, the townspeople have earned a peaceful slumber, but out in the forests, malevolent eyes are watching for just such a chance. Without warning, the evil has come upon you. You have to escape! Now!
Nice idea and easily used in any system. Simply give each characters 25 StuffPoints(tm) to equip. I allways like it when the characters are poor enough to take the time to steal gold teeth and nice leather boots from their foes ;)