[Taqwus]

...Misfortune of any kind still doesn't become automatic.

I really wouldn't mind seeing SEIV-level event modding, where individual events could be tweaked in magnitude and were rated as to severity. It'd probably please some of the more grognardish players who seek more predictability... some of the events can be quite lucrative or destructive (free items can be as high as Cons 6, if memory serves; 3000 gold AND items is nice; if you've been using Growth +3 in a long game to get lots of pop and it gets wiped out by Ancient Presence, that's ugly).

3 years -is- a very long time, 'tho; by that time, it would seem rather reasonable to have another fort/temple/lab complex and at least some cash reserve, unless it's a custom map with absolutely brutal independent forces that slow everybody down.