I think in general there are two ways to come at it.
1 is the player impacts end. If it is super hard and they have to quest then the player has to sit out possibly numerous game sessions, which I generally want to avoid, while you also do not want to trivialize death for PCs. A decently high level spell with some cost is a decent balance. I think Reincarnation so the player gets a new character with a connection to the old one and reason to be an instantly trusted part of the group is a good solution in many circumstances if you want a lot or a little change, raising if you want less changes from death. Scrolls work for groups without the appropriate level caster of their own, it is a resource that gets expended. In AD&D reincarnation was on the magic-user spell list with a less nature oriented list and in 3e I believe it could be done by a wizard with limited wish while raise dead was too high level for a limited wish to mimic.
2 is the game world implications. Powerful druids of circles reincarnating through centuries is pretty cool. Expect nobility and super wealthy to get raised as well as important people connected to those who can raise, so generally church connected ones. Generally it would be an issue for the elite and not one for the masses. Succession, marriage, inheritance, self-willing estates would all be part of the considerations.