pukunui
Legend
Sounds like an interesting idea. I agree with other posters that having it be a permanent mechanical penalty might be too much.
Since I'm running an episodic campaign, the default mechanical penalty for raise dead and resurrection didn't really work for me, so I went with a more Game of Thrones-style penalty. Namely, each time someone gets resurrected, they lose a bit of themselves. I represent this through flaws - the PC either gains a new flaw or has an existing flaw get modified. One PC in my campaign who died had as his ideal "glory in battle". When he was resurrected, I gave him a new flaw to the effect that he was now obsessed with obtaining glory in battle no matter what the cost. Now, as a flaw, it'll only come into play when we want it to. It's not an "always on" thing like vulnerability to cold would be.
Since I'm running an episodic campaign, the default mechanical penalty for raise dead and resurrection didn't really work for me, so I went with a more Game of Thrones-style penalty. Namely, each time someone gets resurrected, they lose a bit of themselves. I represent this through flaws - the PC either gains a new flaw or has an existing flaw get modified. One PC in my campaign who died had as his ideal "glory in battle". When he was resurrected, I gave him a new flaw to the effect that he was now obsessed with obtaining glory in battle no matter what the cost. Now, as a flaw, it'll only come into play when we want it to. It's not an "always on" thing like vulnerability to cold would be.