Oops, hadn't read all of the post. Barring decrepitude points from childhood illnesses, bad wounds, etc, it is impossible someone at age 35 to drop dead/gain a terminal illness. At absolute worst, they would gain 5 aging points in any one characteristic, 1 decrepitude point, and roll a 10 on the simple die for crisis, giving a total of 143- bedridden 1 month. Granted, if they rolled horibly each year, yes they would be dead a few months after they make the aging roll in their 39th winter, but it's very unlikely. Also note that, without any special bonuses or penalties for living conditions, it is only possible to get a thriteen by rolling a 1 and then a 5. For anyone with a +1 living condition bonus and no longevity potion, it is impossible to get a 13 (though they can get a 22) result until reaching the age of 40. This is because over 9, all results on a stress die are even, and any odd modifier to the age modifier will come out even as well. So the bigger problem, I think, is that the wealthy have a chance of rolling that 13, where someone with worse living conditions (+1) cannot, assuming no longevity potions. In otherwords, better living conditions, generally speaking, make it slightly more likely you'll have the worse possible aging result.
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