This thread will handle questions from me to you about balance and how you want to play. 

Left up to SheShe and I you may end up being forced into a style of play you don't like so this is why I'm creating this thread.

The first question is about death.

Currently there are a handful of spells that will breath life back into a character again. 

The first is a level 3 cleric spell, Revivify. It requires a diamond worth 300 or more and it must be cast within a minute of death, so within 10 turns in an encounter. Yulya would need to be 5th level to cast this 3rd tier spell. It cannot restore missing body parts.

At 9th level she would have access to raise dead which is a 5th tier spell. It requires a 500 gold diamond. You have 10 days to accomplish this. Again it won't restore missing body parts. It will close mortal wounds. Greater restoration will restore missing parts afterwards. That's also 5th tier.

In any case it takes about 4 long rests to fully restore the person to full working order.

Reincarnation is available through the church and is a druid spell costing 1000 gold plus 1000 gold in supplies and a piece of the victim. It restors everything but will likely change the race of the character as a consequence.

Wish is then the big daddy of all spells and requires a wizard of level 17 and has a 33% chance of never being able to be cast again. It can duplicate any spell or create a custom effect or object up to 25,000 gold in value.

The question is, does the feeling that you could die lessen due to these spells? Say you're 5th level and easily have 300 gold in diamonds at the ready, does it feel like death doesn't matter anymore? Should there be a bigger consequence? Should death be permanent? Should it lower attributes or cost you an ability? 

If you're asking me, the ultimate say of someone lives or dies wouldn't be a simple matter of bad luck. The gods can intervene in special circumstances to say prevent the death of someone in specific and unique circumstances that would rarely come up. A rock can still fall and squish you, but that wouldn't be a completely meaningless act, it would require a dangerous path and other bad choices leading up to that for instance.

Given the pacing in our game, death would still be pretty inconvenient, but Revivify is a very OP in my opinion.

Currently I have put on the safeties and you cannot die outright in one hit other than by a disintegrate spell or dragon breath or other obviously destructive occuances that rip the body apart. Simply being hit by a great maul won't kill you outright even if the damage was 2x your hp. Death still comes after three failed saves over three turns before you are stabilized. So that's already a nerf.

Do you like all that? Or do you want a more hardcore experience? Or do you want to not have to worry about death all together? Let me know.