Well when I run games, I usually let people have a way out if they really like their character so they donīt have to hassle too much to get a new one back. The 50% XP doesnīt work to well so we usually go with 75% from the highest XP in the group but less then the previous earlier.
Also, death should be in a game but not happen to the same person all the time, takes the fun out of it.
If you get resurected, you owe a church ALOT of favours.
Permanent death is ok every once and awhile since that is the course of the game sometimes. It also makes the characters a bit more careful about the characters. However, death by bad rolling in stupid situations have been removed from our game. If they die, they die because they try to be stupid er heroic I meant..
in a situation where it is "suitable" and also acceptable.
The game is made to be fun, and if you canīt have fun in your game. You seriously should reconcider the group you are playing with.