I have a story of back in the good old days when I was a complete newb.
My first house started out as a small tower (you know the small box). I was so excited when I upgraded to an L-Shape; however, it was in the dreaded Fel which I was so worried about. I had a pretty good smithy and eventually worked my way up to getting a Verite hammer. This was back when the weapons made from Verite and Valorite hammers ruled the game. Quickly I made myself a kick ARSE sword and was beaming with pride as I showed it off in Brit.
So... I go to my house and as I am standing in front I see someone coming. Quickly I ran into my home and we stood starring at each other for awhile. I remember speaking outload saying come get me and I will whack you with my awesome sword. Sweet ... Here he comes!! He runs in (because I wasn't smart enough to have the house private at the time) and then runs back out. Now he stands outside my house laughing at me. Being the complete newb that I am I still haven't figured out what he is laughing at. So there I stand taunting him to come and get me.
It was then that I realized he had disarmed me and taken my sweet sword

It was a painful day in UO.