Re: Plot device or by the rules
I think it depends on whether the point totals will matter to the PCs or not. Forces of nature, massive doomsday devices, nuke-u-lar bombs...these things can easily be plot devices unless you have PCs that are built to specifically handle them.
Frex, hurricanes and tornadoes are plot devices...unless you have a Thunder god in your campaign. Doomsday devices...usually plot devices, but it depends on the device. Mind control? Points. Citywide disintegration? Plot device. Atom bomb? Plot device...unless you have a massive, massive campaign where someone actually has a chance of surviving such a thing. Having seen many of the write-ups for said bombs, I think that's unlikely. Then again, I've heard people tell of some of their uber-characters, so possible.
Definite plot devices: Heart of the sun, massive anti-matter wave wiping out universe, habanero peppers.