As far as Epic lethality goes, its going to vary based on dice and table composition. For example, I killed one PC at my T3 table and he got to find out what happens you die... You don't just get a free raise, but rather there some really cool story stuff going on that I won't spoil since the EPIC is replaying many places soon.
Lethality is always going to depend on player and DM preparation. But when you know you're going up a against a green dragon, a few things become kind of obvious that players will do...
But really, why were the rewards for T3 tracks so small compared to the T2 and T3? I mean our table had enough collective gold to just buy the city, paying for living expenses seemed like an afterthought and we all figured we would be getting something more the next morning.