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Originally posted by Dinkeldog
Fathead, I've been in the situation of joining a group. They were 8th level except one that was 7th about to go to 8th. I came in at 6th. It blows chunks. Big chunks that you didn't have the foresight to chew particularly well the first time.
Really, gaming is not work or college, and one shouldn't be needlessly be penalized while playing. If your player with a fighter decides he'd rather be a druid, why punish him for changing?
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It depends on the circumstances. If there is good reason for the player to want to change (and maybe retire the other character), I'd just set him at the lowest level in the party.
My game is very heavily involved in the roleplaying aspects. The absence of a character can affect the story. Additionally, every time a new character is developed, it takes a good amount of work. As a DM, I will spend a couple hours on each character, just developing background hooks, NPC's that they know, etc. So, it is as much a protection for my time, as it is a protection to the continuity of the story.
PC death is a necessary part of adventuring life, so it is bound to happen. I had one player recently who lost his character (remember...they are allowed only one raise) after playing it for 3 years. The next gaming session was spent largely at the funeral of "Dover the Freeholder". All of the PC's attended, old NPC's attended, and a eulogy was read, recapping the life of Dover. For the eulogy, I did something unique - the person writing the eulogy gathered most of his information from the rest of the group...which made it a very fun and enjoyable session, that I think the player enjoyed.
My point is this - unless the character is being played poorly, PC death does not occur often. My games are mostly comprised of NPC interaction, politics, and roleplaying. So, character level is not the most important aspect of the game in this case.