If I have the chance to get free stuff, guess I need to try my hand :P
Mine - A new tunnel collapses on the workers as they search for the fruits of underground labour. Thankfully most workers were able to escape unharmed, but one was caught in the disaster.
Fishing docks - Saint...
I personally only used the cover system to blind throw grenades and even that was hugely situational, often it was more useful to step back instead. The cover system was in my opinion almost useless other than that and blind firing at a door.