delericho
Legend
My players got to the point where they would only raise a character via a True Resurrection. If they couldn't afford it, or if the character wasn't already high level (13+), he stayed dead.
I recommend that new characters joining because a new player joins, or joining to replace a character who retires (isn't dead) join at the same level as the rest of the group and with full equipment, while characters joining to replace a dead PC join at one level below the lowest member of the group, and gear appropriate to his level. I also strongly recommend encouraging the group to not keep the deceased character's gear - it either goes to family, a patron, charity, or is just buried with the character. That said, I don't impose that... it's just that I follow the DMG wealth guidelines quite closely, so if they keep the dead PC's gear then they're just getting a temporary boost, and usually end up with less well-tailored items.
If, however, none of this really suits you... just get rid of the level loss for Raise Dead and Resurrection. It won't affect your game world that much - deaths by natural causes can't be undone, and not too many NPCs can really afford 6,000 gp anyway. It won't actually damage your game any.
I recommend that new characters joining because a new player joins, or joining to replace a character who retires (isn't dead) join at the same level as the rest of the group and with full equipment, while characters joining to replace a dead PC join at one level below the lowest member of the group, and gear appropriate to his level. I also strongly recommend encouraging the group to not keep the deceased character's gear - it either goes to family, a patron, charity, or is just buried with the character. That said, I don't impose that... it's just that I follow the DMG wealth guidelines quite closely, so if they keep the dead PC's gear then they're just getting a temporary boost, and usually end up with less well-tailored items.
If, however, none of this really suits you... just get rid of the level loss for Raise Dead and Resurrection. It won't affect your game world that much - deaths by natural causes can't be undone, and not too many NPCs can really afford 6,000 gp anyway. It won't actually damage your game any.