I more or less play it by the book, but take a different spin on things IMC. Without getting into the whole "D&D is low/high/meridian magic" or "magic is the same as science" topics, I do think that the ready availability of healing magic at lower levels will have an impact on the death rate in the world.
The way I see it, having even a low-level cleric that can cure moderate wounds or neutralize poison is going to save a lot of people who would have otherwise died. So I see things as being a lot closer to modern medicine, with death rates similar to today than in medieval times. Essentially, since the majority of problems are getting cured by the local priest (or whomever) before they become lethal, then raise dead spells just aren't going to get thrown around that much, at least within the genereal populace. People will live to old age or natural causes take them, and that will be that- no res for them.
Of course, there's still premature death due to accident, hostile attacks, etc. Although accidents could still fall under the "day-to-day healing" category, they could also be lethal. In rare cases like this, it would depend on the local resources available. In populous land with a strong church, ressurection would definately be available. In a sparsely populated land, or one that doesn't have a strong clerical presence, then there would be no option. Using the modern metaphor again, it would be like the divide between care available in first vs. third world countries. In the first world countries, the res would happen. In the third world countries, it wouldn't enter into the equation, and the people might not even know it's an option. They would just accept it as the way things are.
That brings me to my next point, about the perceptions of death. To us, the ease of raising the dead in the game is astounding. To the characters within the game, it's probably par for the course. Again, without getting into the low/high magic debate, I see this as mainly pertaining to royal lines, assassinated politicians, etc. If you know that spending a lot of time and resources on an intricate assassination plot is going to result in your enemy getting up and walking around the next day, you're not going to go the assassination route. Likewise, if a king can easily be raised after a murder or accident, the younger probably wouldn't even see this as a chance to take the throne- more like an inconvenience, similar to someone in our world going into surgery. So they'd either take a long-term view of things, waiting for the natural progression to set in, or they'd be so impatient that they'd just go out and make it on their own, adventuring and so forth, without waiting the fifty-plus years for the old man's priests to finally let him rest in peace.
To me, all this makes things in game play more interesting. It provides plenty of opportunities for people to travel the world, from impatient heirs to barbarians who have just heard of this strange magic that can defeat death and with to use it on their ancestors (hey, you try telling Conan he should've brought his father's remains to you within one day per class level!)
Then there's the political aspects- things get much more political without the assassination factor. If you can't just kill your opponent, then you have to do things like undermine and weaken them through prestige, finance, and the like. I used this to good effect in my last campaign- the PCs had a number of powerful enemies, but both sides knew that a straight-up battle would be pointless. So they had to resort to manipulation and intrigue instead. Another good example would be Gibson's story, "Burning Chrome", in which Chrome isn't destroyed directly, but the loss of her finances and power means she can no longer protect herself from those who would like to destroy her directly. Whereas before, an assault would have been pointless and suicidal.
Anyhow, that's enough rambling. To sum up, I think that clerical healing will make death much less common, especially as things "progress" up the ranks, to the point where only people in high-risk situations (ie, adventurers) have to seek out raise spells on a regular basis. And, I agree that the easy access to raise would change things among the world's elite, but that it doesn't have to be a bad thing. And the rest of the world probably wouldn't notice the difference.
All that said, I do like some of the customs and setting things some people have done with these spells, particularly the ransoming of noble corpses.
![Devious :] :]](http://www.enworld.org/forum/images/smilies/devious.png)
I'm curious how this would work with True Resurrection, though, which says it doesn't require the body. Would the person just come to in the middle of their enemy's stronghold? Granted, since it's a 9th-level spell it's not going to happen all that often, but it'd certainly be amusing...