Your sim doesn't come home.

Your sim doesn't come home, they could have been attacked or kidnapped by another group, or simply injured while exploring a derelict building and unable to go for help.

Their inventory is lost."But wait, they can't really be ... gone?"3+ Athletic or 5+ Logic can reroll with d20.

If you roll a 15 or higher, your sim escapes their fate and gets to keep their supplies but they are injured. Your sim's skill is a modifier and could be their saving grace.

i.e. A sim with 6 skill points needs to roll a 9 or higher to survive.