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Message: <blockquote data-quote="David Argall" data-source="post: 910085" data-attributes="member: 4481">1. As suggested, talk it over with the players.  They are the ones who will have to live with your rules and you may find they have serious opinions you will have to live with.  2. The permanent death of a PC should hurt.  No way it should be the same penalty as a temporary one.  Even a full level loss is small.  Under 2e, I always opted for starting at 1st level.     [under 3e, it's a lot harder to catch up, so one solution is to replace the XP chart with something that requires more XP at higher levels, thus allowing the low level to catch up quicker.  This also has the benefit of slowing down the race to epic levels.]    3.  I have had no problems with PCs always having an NPC wife, kin, society, that claims all goods of the dead PC.  [The objection that the PCs can fight a claim is clear nonsense.  They may be 10th level, but there are 20th levels walking around.  Now, the party trying to keep the goodies might make for a good adventure, but you need to make them work for their loot, whether from monsters or PC.]</blockquote>