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Message: <blockquote data-quote="delericho" data-source="post: 6227826" data-attributes="member: 22424">We use the rules as they exist in the game we're playing. So, in 3e (the game we play most often) a character who dies and is then raised loses a level in the process, but then gains XP at a slightly faster rate until they've caught up again. That said, I'm not a huge fan of that approach - IMO, 4e got that pretty much right by imposing a penalty that was gradually reduced as milestones are achieved.(In my 3e games, if a player elects not to have the character raised, or who brings in a new PC to replace one who is retired, or a new player joining the group, starts at the same XP total as everyone else in the group, and equipment as per the WbL table in the DMG. However, I tend to give out much more treasure than that table would indicate, so that's something of a penalty.)In general, my players have treated PC death as punishment enough. I certainly haven't had any problems with them being too cavalier with their characters' lives. (And, actually, I don't think I'd want them to be realistically risk-averse, as I'd much rather their adventurers be bold and get themselves into all sorts of trouble!)</blockquote>