urg..burning to death would be horrible,its not quick either *shudders* i nearly drowned when i was younger i had to be rescued by a life guard :
: your too busy fighting to get to the surface to get air to even worry about the water filling your lungs or being scared.And you pass out pretty quick.
Erm it depends on what specific disability,but i think your mental health is sometimes more important than your body,so yeah permanent physical disability.
A broken bone or stiches?.