Random encounters - on travelling or rest the DM rolls D20 to see if one of the night time monsters that move in the area come across camp, 1-4 yes 5-20 no. Roll d4 again for encounter. Can be positive aka trader wagon or hostile - raiders, undead or angry mushrooms. These enemies like all other in D&D drop all their equiped stuff and whatever they are carrying.
In D&D TT this would be tasking for the DM to randomize gear on raiders etc. PC game? not so much.
