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.