I never really thought a whole lot about people being "lucky" or "unlucky", maybe some of that stuff about purging your dice and making sure unlucky people don't touch them isn't so crazy. If you think that a d20 is bad, though, then you should check out some of the stuff the RNG does to people

. I've never really been lucky myself, but you would probably laugh about stuff like that (kinda like in ToME with the RNG) a while afterwards instead of curse the game for it. I never really played with anything but core rulebooks and a cheap cd-rom collection of 2nd ed books. Maybe it isn't a perfect game, and maybe ToME isn't either, but that doesn't mean we can't enjoy both of them and not get bloodthirsty for making an ultimate character does whatever.
I'm a little curious about if you read extensively into the sections about hitponts. They say there that they are more of an ability to "turn a deadly blow into a minor one." I don't know what you got out of this, but I got the picture of how a tough soldier could withstand a few gunshots and still live while a skin-and-bones dude would probably be in serious trouble. Later in his life, though, the skinny one might realize some great potential and get to be stronger than that soldier (rather unlikely; an average guy would have more of a chance). The ex-skinny dude could then proceed to insult the soldier and perhaps get away with it. I think that this is an excellent example of hitpoint/level progression, and might also be seen in game with battle-scarred vetrans. ToME and other games might be a little unrealistic, but then again, orcs, magic, saving princesses, the One Ring, Sauron, and Middle Earth are all also urealistic similarly. If you could propose something better, though, then I'm sure that if it really was realistic, people would accept it. Maybe that one pope dude survived 8 bullet wounds, but I think of that as why it's a necessity to have a large range on weapon damage; sometimes, things happen a certain way and there's nothing you can do about it. Or maybe that pope was secretly a 50th level fighter.

But then again, I never really knew that many people who are unlucky, and I'm kinda bent toward the idea of averages usually working out to a 1-5:3 basis. Maybe your friend does deserve something better... Does he (I was about to say he/she... hehe) like ToME much?
But I digress, again, for a much longer amount of time.
I'll be thinking about casting time/anti-summoning/whatever.
Atarlost: I have no clue what you are talking about. I guess that might just be the real reason why I posted something.
Edit: It's too bad that only nine people voted on that poll, but I think that I got the idea.
The name "Balrog in a Bucket" is dedicated to the first character of mine who ever died from a balrog.