I went for "usually", but with a qualifier. Most of the games I run, lots of very bad things can happen to your character, but whether they permanently leave play or not is up to the player. So if someone gets killed, but the player wants to continue with the character, they can at a minimum return to haunt people, and even snatch/possess a body from someone, if that's how far they want to take it.
If I'm doing more traditional D&D style, it'd be somewhere between 3 and 4 -- I think of resurrection as "restoring from a save point", so to speak, so it has a significant cost.
If I'm doing more traditional D&D style, it'd be somewhere between 3 and 4 -- I think of resurrection as "restoring from a save point", so to speak, so it has a significant cost.