Originally Posted by
Book
Sounds like an interesting idea.
I think sometimes the npc guards are suggested to be very strong to better protect a town. If that is the case, I'd say lower their strength to normal if they leave town to gather materials so they may be killed by your enemies. Full loot applies if they are killed.
Have them outfitted by the owner with whatever they deem appropriate.
Risk to me for fighting them... hmm... hooking up a system for me to receive a mild electric shock from my computer through the usb port should I lose sounds pretty risky, but probably won't fly.
How bout looting applies to me as well, but since it's an NPC... the owner can toggle a preference on what is to be looted. IE. If NPC wins, loot weapons.