I lost a character last night. She was a goblin wizard named Shelia Harpsdweller undergoing her Test of High Sorcery in Dragonlance; by the interpretation of the DM, that meant she was having a short solo adventure. She was a great character with a lot of potential, but by the rules of the Test, she couldn't be brought back if she died. It's frustrating, in that I think it's the first time I've lost a character that I could have kept alive, if I'd played better. If I had remembered Tumble works on falls, I would have possibly saved enough HP to get through the fatal fight. If I'd remembered that sleep didn't work on half-elves (and the DM forgot this too), when faced with the simulacrum of a party member that killed me, I would have skipped the deep slumbers and went straight to fireballs, which would have dropped her before she did me.
An interesting feature is that she had a voice offering her power to survive. But she refused to sign any deal she didn't know. At the last chance, Chemosh (god of the undead) showed himself and made the offer. She was not a good character; she wasn't even on the good side of neutral. Any evil god that was offering to save her she would have taken--but not Chemosh or Morgion (plague). That was her line. I don't know what would have happened had she accepted.