I don't think much of the so called "Death Penalty" all you loose is Experence?? what's the point of that , you get to keep all you items and money. Sure some of your equipment may be unuseable for a while, but you in a real sense get to rebuild your character too.
You get to reassign points to your character you may have not wanted or found better served if you used them else where.
So to me there is not much point in this so called "Death Penalty"
