My opinion on the matter lives over here, but I'm curious how the rest of you guys do it. When a PC fails that last saving throw, how do you handle it? Does the player get a say in their resurrection? Do you go strictly by the book? House rule it? How do you like to handle resurrection at your table?
Haven't read all the replies or that thread yet, just going to describe my experiences:
PC death doesn't happen often in any of my games, but the permanency of death has varied from group to group. In the game I'm currently running, the only spell that returns a person to life is Revivify. Gentle Repose can buy a person time to find an NPC to cast it if none of the PCs have Revivify ready. We've only just started, though, and PC death hasn't occurred yet.
In a past game I DMd, all raise dead style magic existed in the world, but there just weren't a lot of people able to cast it. We had one PC death at level 3 before the campaign ended prematurely around level 8. Cause of death was a combination of rushing in alone and a critical hit Inflict Wounds. I told the players the group would need to detour off their main quest to find a priest to bring him back. ICly, they mourned his loss and moved on, reasoning their quest was too urgent to deviate. OOC, the player wanted to try a wizard anyway, so it worked out.
In a game where I'm a player, death is just a speed bump. We just reached level 14, and while we don't actually have a cleric in the party, we count among our allies (and enemies!) some of the most powerful spellcasters in the world. Just two sessions ago a nice Ancient Silver Dragon resurrected our druid after we tangled with Orcus. She has become rather snippy since then, however!

Generally speaking, as a player, I'm fine with however the DM treats raise dead magic. As a DM, I want PC death to feel like a significant set back and a major obstacle to overcome, but not insurmountable. The standard game settings work against that preference. I strongly state my own preference during session 0, but in the end, I'll abide by the group majority preference. So far, I've had my way each time.