I don't know about Cat but I know that both me and Yulya have a huge problem with mortality in general and seeing our friends die permanently and 4real would be a traumatizing experience. We won't just choose the similarly named replacement from the guild and carry on, that would be disrespectful to the deceased party member and friend. Honestly, that's 2real4me and it would suck. You know I'm still a tupper of my Highly Sensitive Person host who'd mourn the loss of a D&D character for real and the party dynamics would be quite awkward with having to play a different newbie. And just using the 'replacement' to bring back the dead character 1:1 would be cheating. In this case death would have no consequences at all. So yeah, I'm not sure about the optimal way to handle this but I would like to remind our dear higher plane beings that this party was assembled for a divine mission of great importance. We are doing their dirty work, might as well request some protection in return.
Personally I won't say not having to worry about death but it should be manageable to return. Imagine someone would die on our first mission. It takes 2000 gp to revive her. We would have to play for weeks IRL just to earn that money until that player can return. That's not very feasible and sucks having to wait at the sideline until you respawn. I don't really know how to handle this. We certainly won't be reckless but death should not have such dramatic IRL consequences for the player. The character should be able to return at least for the next mission.
Also I still have the coolest revival spell ever as monk of the Way of Mercy: LV 17 Hand of Ultimate Mercy (TCoE) lets you revive a creature per long rest for free, well it costs 5 KI points
So should we ever play long enough to reach lv17 the problem is solved pretty much. I can reassemble everyone.
The real problem is me however. I already stated I cannot be revived by terms of magic or the church because I do not have a soul. I am a machine. I would rather propose that I slowly regenerate unless supplied with materials to speed things up. Also I cannot even be healed once in living metal form either. This is the price to pay for being OP as fuck. I must regenerate myself, I would even propose that 'death' throws me back one form into emergency recovery mode. living metal->viscous->liquid. So I will be fine, I'm extremely tough. Spells like disintegrate will remain a problem however. Do you have any proposals, Joy?