that part about an npc pulling a gun on you and the reaction, that sounds a lot like Shadowrun. It could be a peice of crap gun but if you dont have body armor or good enough armor and get nailed with a good shot then you can get dropped in 1 round.
yeah theres ways to seriously tank in that game but if i was the GM i would always raise the threat level of npcs you would face. you might get 1 or 2 jobs against a target corp but after that you get hit by the A grade NPCs that will outnumber, out class you and have access to equal if not higher grade gear. I liked a logical escalation as well as logical defenses based on experiences a group/gang/corporation/individual/mob/government would have long before you ever came out of the woods to start trying to take whats theirs.
you wouldn't have an 80 year old with a flashlight that weighs a good 400pounds on a golfcart guarding a highly sensitive installation be it a government or corporation(that is allowed to have military grade weapons/gear). your not going to have that same 80 year old as the only security if the place had been the target of other individuals much like the players over 10s of years.
DnD, i just never really saw to much room for that. its always an ancient dungeon no one has dared to go in or survive. its all critters and its all low tech so theres only so much they will be able to do.
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