My favorite (and then also the best) character ever was a gnomish bard called Polk, he was level 21, had a sword of sharpness, could kill opposing creatures with ease and was just great in every way. I had beaten the pyramid and I was continuing down CoC. I got through the Animated forest and met Khelavaster for the first time. I had an amulet of life saving (2, in fact),while talking to him I understood I should give one to old Khela, but I couldn't give it to him anymore after I started talking.
Then I got to the level with all the corpses lying around. I walked around munching all the nice looking corpses (Ogres, Yum.) Then I got to the center, where I saw something I thought was a ghoul or some other easy undead creature. I went next to it and hit it. Then the creature shrieked, turned out to be a banshee and caused my heart to explode.
I had two sets of earplugs that I knew I could use at some point, because I had heard a bit about the banshee. I had the two amulets of life saving, but neither was around my neck, because I didn't feel threatened. Later someone pointed out to me that he couldn't think of anything more threatening than a level filled with corpses died from an unknown reason with only one living creature in the middle of it. I completely agree now.
After a long time I finally got a character who made it to the damn banshee and I got my revenge.