iserith
Magic Wordsmith
If you're just going to tell everyone else they are wrong, why did you even ask? It's quite clear you're not looking for input, you're looking for confirmation.
I'm not telling everyone else they are "wrong." I'm asking how they perceive it, what objections they have to it, whether they think it's based in the rules, whether they'd receive it better as an offer rather than straight DM call, etc. In short, I'm asking for everyone's preferences, making no judgment of them, because preferences cannot be right or wrong.
This example didn't come from my game and won't, though I'm not averse to using "Success at a Cost." I made it up to get input from the community about the approach. Thus, I am not seeking confirmation either.
I can tell you that the results are different at level 5 than they are at level 1. At level 1, if my DM decides to play with rules only he knows about, and my character dies, I would be annoyed and frustrated. At level 5, it's only a little extra damage, so it ends up being more fun than folly.
On the flip side, if the DM told you about "Success at a Cost," you'd be okay with dying at level 1 as a result of it?