Endur said:
In some campaigns, character death means you start over with a 1st level character with equipment out of the PHB.
Fully equipped = 200 gp, when other characters in the campaign are level 10+.
I can see an in-game reason for this, though it DOES make it very hard for the newbie to survive (though if they do, they'll catch up relatively quickly).
See, my problem with the introduction of new high-level characters is that they have no history. Sure, the player can make up a story, but in a world where 11th-level PCs are rare, it is hard to suspend disbelief if this isn't addressed.
"You have the power to RAISE THE DEAD and we've never heard of you? You have the power to teleport anywhere you want, at any time, and you did NOTHING to stop that marauding hezrou, which wiped out a company of elite guards before we stopped it? Where have you been all this time? When it has fallen to us to save the kingdom, where were you? You've just been 'adventuring' and ignoring the world-shaking events we've been involved in? Our names are known kingdom-wide for the deeds we've done and you have no reputation?"
If you can make up a very good reason why a LEGENDARY (level 11+) hero has not been helping out until this point (traveling other planes, awakening with no memory, restored from petrification after a thousand-year absence, etc.), it's a lot easier to accept a new high-level PC joining the party.
Otherwise, I have to say, yeah, I'd rather the guy with the dead PC play a low-level character. Because if high-level characters exist and have had no impact on the world up to this point, it to some extent ruins my view that high-level characters are rare and noteworthy.
It's also the same problem with high-level cohorts turning up. "Yeah, when you were 6th-level and looking for a Raise Dead spell, 9th-level clerics were hard to find, but now that you're 12th, there are a near-infinite variety of them willing to be your cohort."