I take a system inspired by the video game Wildermyth, where the player gets to decide what happens at 0 HP.
Option 1: You fall unconscious. Your fate is out of your hands.
Option 2: You die, but... You might go out in a blaze of glory, or inspire an ally, but you're dead for good. At least it's a good death, which is better than some get.
Option 3: You live, but... You might lose an eye, or a magic item gets destroyed, but you manage to escape. You're still out of the fight, but you live to see another.
Uh... Okay, optional revised version. Roll a d3 (use a d6 and half it) and use whichever option comes up. If you don't like the result, or you want more click clack throwing fun, roll again until you get the result you want.