Our Fighter failed his crucial saving throw against Mummy Rot again, rolling a natural 1. Meeting a Harpy later on, on our travels, gave him another chance to fail some saving throws, as he rolled below 4 for both his own saving throw and that for his mount against the Harpy's Charming singing. We went in to Initiative at that point, and the Fighter stared Fate right in the eye by rolling a D4 alongside his D20 roll for Initiative. The D4 came up with a 4, the D20 a 3.
Yeah, you really shouldn't challenge Fate like that.