I could definitely see giving the PCs the option of really odd solutions. Like there's someone who can graft on temporary body parts but he doesn't have great supplies at the moment. So slug eyes on the end of stalks, maybe a tentacle for the arm. They aren't permanent, but enough to get by until they can be regenerated.As the DM, I'd probably have somewhere that has a scroll of regenerate. Alternatively, some weird magic item--like, a drow had a set of eyeballs that were enchanted by an illithid that allowed them to function as eyeballs for anyone that wears them but they're horrible wiggling things rather than eyes--that I'd put nearby, somewhere else in the dungeon or area, where they can be found. My players would trust me enough that there'd be some way near that might be able to help.
I'd probably be a little miffed about the suicide thing, but also probably wouldn't stop them. I might choose a specific race, depending on the characters; like, if you're a cleric and you kill yourself to reincarnate, your god decides to punish you by putting you in a totally inappropriate race. But I doubt it. Depends on my mood that day, I guess.
But ... physically disabling a PC, especially if the player did nothing wrong would not sit well with me as a player. I get it, different strokes for different folks and all, life is not fair. That doesn't mean a game can't be fair; if I take a gamble and I lose and the penalty is appropriate that's on me. But if that's not then I'm not going to enjoy the campaign.