>implying a wizard has his spellbook out all the time
Your argument would make more sense if it was an arcane focus. If so, then yeah, I'd apply it as such.
Wizard is having to comprehend the source code of the universe. Also, you could have his attack roll spells miss and hit unintended targets if so desired. as in lets say his buddy is in the line of fire next to the guy you are trying to hit.
That doesn't mean do it every time, because it would get old fast, but just to spice things up.
What is there to the roleplayed description if there is not an impact upon the world at large?
That's what 5% is, that few instances of mortal humanlike error, or the world at large. shit just happens sometimes.
Hyperbole can be used for a point, but I am not relying on it, I am trying to communicate that critfails are not the popular meme of "I stab myself" all the time.
You could argue that roleplaying descriptions add nothing to the fight with that last point in mind, but it seems a lot more interesting than "You miss. Bob it's your turn now"
Buddy, let me tell you, I have run several games with loads of martial characters, and that 64% chance seems unlikely as you make it out. Anecdotal? Yes. As bad as you make it out to be? No.
Sanest person here
Bottom line: think of inconveniences as a spice to a natural 1, not the flour that is the base to it.
As in if there's a tense climatic scene, you could have the ones mean the swords lock between your fighter and the BBEG, and rule it that the BBEG is locked too, but he seems to have a slightly more better position, as he bears over you with his weight on the blade.
Honestly, you could also have the 1 be somewhat to the player's benefit, as in if he overshoots the axe throw, it could accidentally hit the door past the target and close it, which could be good if you're trying to box in a weaselly fucker in the room your after