What about the time constraint? Do you need to renew your 'insurance policy' once every 10 days?At 3rd level, get yourself killed and your cleric friend to use Revivify inside a minute. Do this during downtime. Costs like 300 gold in dismonds.
While dead, have him lop off a bit for keeping.
Now after being revived you have a piece of you that was "from a dead body" for later reincarnate.
I cannot see that as not RAW.
At this point, we're really getting into individual DM discretion territory. Also, probably some alignment issues. Depending on the characters involved.What about the time constraint? Do you need to renew your 'insurance policy' once every 10 days?
What about the time constraint? Do you need to renew your 'insurance policy' once every 10 days?

(Dungeons & Dragons)
Rulebook featuring "high magic" options, including a host of new spells.