Children during T2k...

[Legbreaker]

Most memorable child NPC encounter I ran was when the PCs holed up in a townhouse for the night. Around midnight a serious thunderstorm struck and the lightning flashes illuminated a figure crawling across a wire from the neighbouring building to the roof of theirs.
The PCs had set up an RPK observation post in the attic with a view out a hole in the roof. The PC on guard (female) opened up with a burst at the relatively short range (maybe a dozen metres) and scored a hit. The body fell several stories and landed with a splat.
Meanwhile the two PCs outside guarding the vehicles (a BRDM and BTR) fended off what can best be described as a probe by poorly armed bandits (crossbows, spears, etc) with one being saved from almost certain death from a bolt by his body armour.
Wisely, the PCs battened down and waited until dawn.
The body that fell from the wire turned out to be a girl of about 13 - about 3-4 months pregnant. The firing PC was rather screwed up by that for quite a while.