Return to ToEE....!!!
Well that surely sounds a lot like me.
My character dies, I start rolling a new one. If I get lucky and my party brings it back then I already have the spare, otherwise I prepare to use the new character.
Never even bothering with family members are that would be metagaming to use the corpse gear. Family members may turn up, but they were always broke to begin with when I use them and the gear is just junk that you will find more of.
As a DM when a PC dies, I don't do anything. The players know how to look for a temple or such if they want services of either kind. They also know how to bring back the character themself.
I present the players with series of challenges for them to overcome during the course of an adventure, and if they take a wrong step along the way to cause death, then I do not interfere.
Likewise for PvP when it is not disruptive. Kill each other if it can be explained the reasons behind it. Then what results happen inside the player group are left up to them. I just make sure the PvP was done and went off fairly as though I were watching over my own monsters fight the PCs.
I have had many characters die, and sadly less comrade PCs die. There are tons of things I do when dead or have a dead comrade.
Speak with dead is a favorite for my group to see what kind of deal the corpse wants to make to come back and a contract written up. Most of the adventurers take place under contracts anyway so all things are nice and legal.
This could even include the return to life for fallen party members as part of the payment or expense account for quests/missions.
Of course death may be reversible in this case, but not being able to participate is annoying, and the lack of gaining anything in or for the character are annoying, but I made the mistake and died.
I recall no time when I ever had the choice to freely have a character come back outside of a contract. Some contracts were not reached and so the character died. Others had heavy costs including loss of all treasure for the mission, in addition to raising fees. Once even had to be a personal servant for a month to each other party member.
So many fun things happen when you die it is always exiting to get to play a new character, or continue with the last one. It is always interesting most to see what the party wishes to do when your character dies. How much value did they put on the character to want it to return to the party, or even need something else in its place. When fights break out over your corpse its funny.
So for me a character dying is about as much fun as when he is alive, but I prefer to not let my character die in the first place to not slow down the story to spotlight my character over the rest of the party and the adventure. But it still happens.