Yes let's return to the xp penalty because it makes the most real world sense. In fact, I am sitting in a tavern right now trying to recoup my xp loss from when I got vorpalled at the grocery store and had to recall. If only the clerk hadn't rolled a 20 I'm pretty sure that my dr would have had me covered because I had on my +5 addy full plate of axeblock and actively blocking with my +5 addy tower shield and he only had a vorpal handaxe. (I think he might have had weapon finesse though he didn't look that strong but had good manual dexterity on the cash register). I tell you what, though, that is the LAST time I am going to Fred Meyer.