In the first saga I ever ran (3rd ed), we had one player who tended towards the combative. Tried a Flambeau, died. Tried an ExMisc with Life-Linked Magic, cast himself to death (actually, just to unconciousness, at which point the shield grogs never stood a chance). Tried a Tytalus, died.
So he then went with a Bjornaer, and wanted, as his heartbeast, a rhinoceros. As SG, I was hesitant, but he pleaded, so we built a magus from Tangiers, and I charged him an extra point for the Virtue, and he got what he asked for. And it was scary powerful in combat, if a bit clumsy in more delicate situations.
Also, the populus tended to react "poorly" to this creature, believing it to be anything from a dragon to a troll to a demon, so he learned not to change into his heartbeast until things were going against him, or at least not in public.
Several successful adventures later, they were investigating a faerie field that was being flooded by a dam built for the new mill. Three magi took a small boat out to the middle of the lake, where they were being harassed mercilessly by some angry and annoying, if also largely ineffective fae, who were causing them pain but not much damage with their magic.
Frustrated and humiliated, and completely forgetting the immediate environment, the player asked "Is there anyone around?"
"... no..."
"Then I change into my rhino form!..."
There was slack-jawed silence from the other two players.
" splash ", remarked the rowboat.