Oly:
There is combat, which can be ugly close to losing ... I haven't actually lost one yet, but I've seen the *Last Chance to pull us out* used twice now with some serious repercussions. Like the city block that was turned into a Crater.
I'll second this -- I've got a character who's slower than built, and has a hint of a limp,
because the GM came up with a way, IC, to get him a Restoration spell none of the characters could afford -- else he'd be permanently Lame, Move 2 and -2 skill on all non-missile combat. Still most of two months before he'll really walk correctly, but in a couple years of player time, he'll be right as rain.
And still, at 125 points on a Henchman build, this is the deadliest character I have (one-shots are common with ordinary arrows).