I picked "quest to the temple and pay $" option but none of the options really cover properly how it's handled. If the PC's are still fairly low-level (which is when they tend to die most actually) they can't afford the cost. When they can afford it I tend to get annoyed. You know how it is. But as a result they sometimes have to do favors or even an outright quest to pay for it, but just as often I simply let them pay the money and get on with the game. I tend to be a little haphazard in this, but in MY mind at least the PC's fit a niche that simply isn't seen in the rest of a fantasy society.
PC's are rarities in that though the spells are available to a fairly decent sized segment of population, not just PC's, it's the PC's who are the only ones to really take advantage of it. Not just because they have the cash either, though that too is a factor. PC's have a casual, even cavalier attitude toward death and resurrection that the common man does not.
It's not as big a step as it seems to go from "resurrect me after I die" to "I want to be a lich so I NEVER die." It's just that raise/resur. don't have the nasty negative-energy plane, alignment, and taste for human flesh and halfling blood issues as an annoying aftertaste.
Yeah, it's rather a bit of a handwave, but it works. The alternative is to simply make raise/resur. much more of a pain in the arse than is at all necessary IMO.