I follow closely to what Mr. Baggins stated.
Go to a Temple to have someone raised if you really want them back, AND can afford the coin. Letting them lie in a crumpled heap to pick up someone new, leads to some other issues for the role players. Would that be a proper way to leave a fallen commrade? Especially if you're really good. (But that's another topic.)
Sometimes I just reload the game, especially if I'm in the depths of some dungeon and treking back to a Temple to have them raised will take a long time. (Not true to role playing, I know, but sometimes necessary with my limited gaming times.)
If the main character dies, do you reload or start a new game? I reload, figuring that my fellow party members carried me to a Temple and had me raised.
Do what suits your gaming style, and you can't go wrong.
Now what's your position on the Kobold issue?