Originally Posted by
fallenwarrior
Bag of rats covers hits and when you reduce a target to 0. As written, it says nothing at all about a PC taking damage. The only hit we're concerned about in the above situation is when the character hits an ally. If you apply bag of rats to that, to be consistent you need to apply bag of rats every time an ally is hit, because they don't represent a meaningful threat to the character. I don't think that's what the bag of rats rule intended, and I don't think it's a good thing for the game, either.
Instead, you can house rule it so that it includes the PC taking damage. At that point, you can bring up bag of rats when that happens, rather than on the hit.