Proton
Proton is a guard in Dwarven Village and stands at the south entrance. He mentions that you don't always take all your possessions with you, when you die, however this comment is no longer accurate in recent times assuming one hasn't racked up too much karma.
Dialog
"Greetings! I'm Proton, a Defender of this village. It's a good day to be outside, eh?
But you should never let your guard down! There are really some bad monsters out there... You don't always take all of your possessions with you when you die!"