The most dreadful (random) event?

[HoneyBadger]

Lab isn't as cataclysmic, in my opinion. Very bad, but not the "most dreadful event". More expensive to replace, ofcourse, and maybe harder to fix since you can't alchemize gems to pay for a new lab, but not having a Lab won't kill you outright-where not having a Temple can and often will, if you're playing Mictlan for instance, or a low Dominion Pretender next to a high one.