Does basic healing magic in your campaign world regrow lost limbs? I always had the impression that cure light wounds wouldn't give you back your apendages. Then why would it cure a ruptured splean?
What?
Seriously- falling down the hole of "what injuries will this spell fix?" is a long, dark rush where you are just kinda floating in mid-air until... splat!
D&D has abstract combat for a reason. Saying, "You're dead, but you're not dead yet... but you can't be healed..." really breaks my suspension of disbelief. Like I said, I've tried this before- and it was a terrible mistake with no way out that both preserved the
situation and
game world logic. Preserving those two things is much more important to me than soft-gloving a pc death.
If you're in a game world where magic is prevalent enough to cure all wounds, then you are also playing in a game world where death is trivialized by ressurection magic too.
That's an awful big assumption. For years my campaigns had lots of healing but virtually no resurrection magic of any kind.
Perhaps wounds that are grievous enough can't be cured by common magic, which would explain why nobles don't just ressurect their villagers to ensure they can keep collecting taxes.
Er... have you looked at the price of resurrection magic in any edition? There's a much better reason that the nobles don't have all the peasants raised from the dead (ignoring the need to have a priest on hand that is powerful enough to throw resurrection magic around, and who will use powerful miracles to raise the local punk kid at the noble's behest):
it's too expensive. Really, taxes on a peasant cannot possibly amount to more than a few gp a year at the most.
The bottom line is that you look at a player and say, "You're character is going to die here. Fate has decreed it so. Do you want to go out with a bang or a whimper?"
To each their own, but I prefer my bad guys' kills to look a lot like the pcs' kills. Good for the goose, good for the gander. I won't institute rules like this that arbitrarily favor pcs over npcs.
Just like there's no in game reason NPCs have to die permanently and PCs don't, but it happens all the time. Sometimes magic just won't help, it's why death is a very real possiblity for 99% of a game world's inhabitants.
Depending on the playstyle, death may be a very real possibility for 100% of the world's inhabitants. Resurrection is not always an option in some campaigns.
Plus, even in high magic game worlds, a deity will only let magic do so much. Perhaps the lawful god of death requires that a sure death remain certain once in a while. Ressurection can't be 100% accurate or it risks trivializing one gods power (life) and weakening another's (death).
Again, you're making a lot of assumptions about the setting. Loot at Eberron- the gods are very standoffish, may not even objectively exist and don't meddle except through their agents (who might be opposed by other servants of the same god!).
There are no problems if you a) don't abuse it, and b) decide as a group how foolproof you want magic to be in your game world.
Well, different playstyles and all that, but in my experience there are PLENTY of problems with "you're dead but not" situations.
Scenario: You're playing an 18th level character you've run since first level for over 3 years in real time. He's the leader of the party, and the hope of middle-earth. He's defeated dragons and hordes of undead. His magic weapons are legendary. This character is really part of YOU. You've played with him every week for THREE years.
Your party is on their way to the island fortress of the Demon King for the final epic battle. It's gonna be awesome. The entire campaign has led up to this. You have to swim across a river to reach the castle. You roll a 1 on your swim check. You get another chance, and roll a 2. One more chance, roll another 1. You are swept away and drown. Your character is dead. You miss the final epic battle, because you had a bad stroke of luck, and the greatest hero the world has ever seen drowned in rather unheroic fashion.
You're totally fine with that?
Yes, absolutely. BUT...
If I'm that powerful, why on earth am I swimming and not flying or teleporting or whatever? If the party is 18th level and we're swimming,
it's not a trivial swim. It is part of the challenge- clearly we're swimming because we
cannot beard the Demon King in his lair another way.
If it is a barrier that never stops anyone, it's not much of a barrier. If the raging waters of the Demon Moat have a rep for annihilating those that dare them but it's the only way in, yeah, death ought to be a real possibility.
If I'm 18th level I probably have options for water breathing, water walking, invisibility, etc. If I'm dumb enough to just hop in and swim, I deserve what I get.