I had just started out a newbie monk in Cablils, and he'd gotten up to level 4 and managed a full suit of patched. I did a little exploring beyond the newbie area, and before I knew it I was surrounded by red con aggros. I tried to be careful, I really did - this guy snuck up on me. He hit for around 38 I think. I didn't go back for my corpse, btw. This wasn't too far from what I think was the Froglok city. Once I saw the city, I figured the place was crawling with mid to hi level froggies (alot of them hide underwater). That was confirmed rather quickly. :(
yeah i did the same thing a month ago with my lvl 16 (gnome)chanty except i was invisisble in the city and in the middle of the city i turned uninvisible and tried to jump off and swim away...but then it occured to me that frogs are master swimmers...