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A little bit of xp loss as real world "stakes" adds a little bit of extra excitement though.
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I dunno, just having to sit out without being able to participate is a pretty solid "real-world" stake.
I mean, in a broad sense, it's not really possible to "loose" a game of D&D. Even if I die and never come back, I've got a backup character ready to go. No matter how many XP losses I have, the difference will be made up in time. I certainly fear having to whip up a new character more than I fear an XP penalty, because an XP penalty doesn't really
do anything, in my experience, while making a new character takes me out of the fun that all my friends are having going on this exciting adventure together.