This comic follows on from the Previous comic which might help provide context.
Why would Konsi play with such a handicap?
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Growing up as a street urchin, she never really had access to lots of clothes. When not wearing armour, or dressing up for an event, she’s still most comfortable wearing just a simple robe.
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She’s trying to practice keeping her cool under pressure, and that’s not effective if you have a lot of safety.
Video game RPGs often have little minigames for things like this, with your stats helping you manipulate the game in some way. KCD, for example, doesn’t have any stats which help you, but you can acquire cheat dice to improve your odds.
It could be fun to play a session like this at the table. Actually play a game of poker or blackjack or something against NPCs, and let players make rolls to help. Some thoughts (using PF2 skill actions):
I might also allow some sort of intelligence check to do things like knowing your odds of winning, or to automate blackjack card counting, especially if the characters would be better at that than the players are.
We basically run a system where we deal texas hold’em, and if you succeed at a relevant skill check, you get handed an extra card to use. It’s not quite the same outcome for skill use as it would be, but it’s a reasonable method to “skew the odds” in your favour.