I would be remiss if I didn't point out here the case of Robert, Count of Clermont, whose son founded the Bourbon dynasty we know today. In his youth he became mentally-incapacited for the rest of his life when his head was violently smashed by a mace blow during a tournament.
While death should be rare but possible, so should be injuries that would render a character absolutely mentally or physically incapable. Tournaments were battle drills for noble, so while the instruments was dulled it were expected it was never meant to be injury-proof - some could get injured, even severely injured.
Like, for example, being knocked from your saddle by a quintain whilst training in the Tournament grounds and gaining the Incapable trait?
Just as an offhand thought.
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