If you transform you'll probably get a lot bigger or at least get a different build (it would be a bit weird to see a skinny, humanoid werewolf). Since most armor/clothing isn't that stretchy, shouldn't it tear? That could be one of the werewolf disadvantages: you don't take your clothes/armor off soon enough, they're gone. Even more realistic would be you dropping everything you carry at the moment. So basically, your whole inventory. It would be fun if that happened and a day or two later some NPC comes up to you and say: "you dropped your sword" and walk away whistling.
Gamewise you could implement something of a 3-5 percent chance of tearing something up or losing it. Which would increase the importance of dumping your stuff in a safehouse and not going adventuring moments before you're about to transform.
This would definitely be interesting and add a lot more realism to the curse of lycanthropy and make your full moons just like real life in that you would have to plan ahead for them in order to master it...
As far as other as other drawbacks go...As far as reality is concerned:
-Lunar cycles are
constantly watched and full moons
planned for...Days off from work for those who work at night are taken off out of necessity the day before the start of the full moon (waxing gibbous) and the final day (waning gibbous) as these are the three days in the month when you
will transform.
-To avoid risk in hurting those you love and protecting the local populace, steps
must be taken to either lock your self away securely (i.e. cages, restraints) or transformation far, far away from any population centers.
-A werewolf will
require around 200 pounds of raw meat in its diet during transformations to keep it from starvation (There are
no vegetarians or vegans where lycanthropy is concerned. If you are one and afflicted with lycanthropy, be prepared for a major lifestyle change)...This is quite a lot of investment in raw meats, but a werewolf isn't picky, everything from rabbit to horse flesh will do...Just a note...Yes Human can be on the menu but be prepared for the consequences which I will get to below...
-Ghosts, ghastly nightmares, and guilt will pervade your life for what you are...Ghosts of your victims (If you chose to delve into cannibalism) will tell you to kill yourself and save the world from your evil...They can be very, very persuasive..The horrible nightmares you have will drive you to the point of madness and cause constant lack of a good night's sleep (i.e. dreams of waking up in the dead of night covered in blood with your wife and son/daughter torn apart before your eyes and blood all over your hands, face and body)...This will require mastery of your dream-state to realize that
you are in control of your dreams,
not the other way around...This will require time, meditation, patience and possibly therapy...
-
No one (with very few exceptions*) must know of your disease...It is for your safety and theirs that this secret is kept...If law enforcement is contacted and/or the government finds out...
YOU WILL AND YOUR LOVED ONES WILL 'DISAPPEAR'...*Only those closest to you
whom you trust with your life, deadly secret, and total well being can be told. This includes trusted spouses, sons/daughters, born after your brush with lycanthropy, who might be afflicted with lycanthropy in their teenage years...
-
Constant vigilance and watchful eyes against strangers who might be after you for what you are and seek you harm and death...
-Some dogs and canids will fear and might even respect & look up to you...But...Other animals will just fear you...i.e. cats, horses, cattle (any form of livestock actually) Be prepared to be a 'Dog' person...