DM: Your +3 radiant ancestral sword is broken beyond simple repair. You seem to have picked up vulnerable 5 cold, too. Also, please write down this "lingering wound - ribcage" stuff, you'll need it.
And I'm going to put that to chance for a couple of action points, why?
(shrug) To each his own, I guess. To be honest, the PCs don't die often enough for this to become much of an issue.Aside from the fact that I never liked resurrection (I ban it in pretty much all of my games), this system would make me hate it all the more. Why would I bring my character who died back to have him be crippled and die even faster the next time? I'd rather make a new character.
Because it's MORE FANTASTICAL.
Because rolling up a fresh toon who is at full power is probably better than dealing with Gimpy McChestwound over here.
Because the thing you were fighting before was the dragon who once ate 99% of your ancestral tribe, whom your parents told you it was your destiny, your birthright to kill, and who, if you don't kill, you might as well not be alive for all the good it does you having failed to fulfill your entire justification for existence....
Because you're sure that hit that brought you down to 0 hp was a lucky shot, and it won't get that chance again.
Lotsa reasons.
Survival isn't the be-all end-all for every character, y'know?
I guess we're arguing cross point here, lets make sure we're on the same ground.
I like my PCs...Death, or not being able to play said PC, is not desirable....
This "death flag" sounds like a godsend. I never have to lose my PC!
Now, I can try, and if I fail, I can have my PC deal with the ramifications of failure.
Immortality, in other words, in a game like D&D where random dice rolls can snuff out a favorite PC or end an otherwise great PC idea, is far worth anything you can offer me to risk dying and losing the opportunity to never play him again. Selfish? Maybe. I've never met a DM who offered me a chance like that. And I've rolled up my fair share of replacement "toons" to replace beloved characters.
Then again, my games are typically story/character driven, so any opportunity to mitigate random death is a good one. I know for me and all my players though, I'd NEVER see that death flag EVER pop up. Not for anything as trivial as action points. Perhaps with a better boon (auto successes? refreshed PC hp & spells?) I'd see it. Who knows.
I'm not knocking the rule; I think its kinda brilliant. But I see it as "trade off your PCs immortality for a bunch of minor bonuses that may/may not help you in an epic situation". To me the choice is obvious.
If you got full house, you don't trade two cards in hopes of four of a kind.
I've used this one to good effect in my games. Coming back from the dead always costs 1 point of Constitution. This loss is permanent, and cannot be restored even by immortal magic. If this would drop the character's Con score to 0, that character cannot be raised and is forever lost.
stuff
Nope. Characters really don't die all that often in my games. The party doesn't get into too many fights, and most of them are non-lethal situations like barfights. Life-or-death battles are very rare, and occur only after diplomacy breaks down or we arrive at the grand finale of a quest.Has the last part of that rule ever actually come up in a game. Joe the Fighter started the campaign with 16 Con, but now he's died so many times he's at 2 Con, for example?

(Dungeons & Dragons)
Rulebook featuring "high magic" options, including a host of new spells.