Idea:
Significant increase in experience loss upon death; Increase difficulty of all content (especially end fights).
All gear is unlimited by category. Common i.e. +wis head worn, +wis wrist worn, etc (50% load rate), Rare i.e. +dam wrist worn, etc (25 % load rate), Very Rare: i.e. +heal wrist worn, +dam finger worn, etc (10% load rate), Ultra Rare: i.e. Dragon Orb, no_bash, big 3 area, etc (5% load rate). These are obviously just examples, and the load rate could be tweaked further depending on the difficulty of the encounter and the quality of the item/spell. All end game fights should have loot tables, so something is guaranteed to load.
Death by mob = experience loss, rank loss, player corpse is generated with 12 hour timer (CR Required), - Only owner can loot or someone who is given consent. If corpse is animated by a mob, normal rules apply to corpse, ending the 48 hour timer - again all player vs. environment content should pose a much higher risk against the player due to unlimited equipment.
Death by player = experience loss, player corpse is generated with 24 hour timer (CR required), All coins and 1 item can be looted by the opposing party. This would allow clans to test their abilities against one another, but it would not be so devastating to lose a battle. Corpses generated via Player vs. Player combat are flagged no_animate.
Optional - New book spell added: Summon Corpse - After a player of group of adventurers have exhausted their efforts at attempting to CR and an appropriate amount of time has passed, the summon corpse spell could be utilized. The spell should require an expensive reagent and have target based cool down. This spell would allow the caster to summon a corpse of an ally (group member). However, there is a catch. The spell cannot guarantee the safe delivery of all items on the corpse (maybe 50%). I would also add some sort of negative affect to this spell. Allow it to prompt the target to say 'accept' the summon similar to the clan accept command - if accepted, target is hit with experience loss and a guarantee that 50% of equipment will be destroyed. In summary, this should be a last resort option that can't be used often.
Option continued: New book spell added: Resurrection - 5 minute +/- cool down to recast and can only be used if the caster is in the room where the corpse was originally generated/created. instantly summons group member/ally to room where corpse is located. Spell prompts the target to accept the resurrection similar to the clan accept command. Corpses can only be resurrected once. Target cannot be in combat. Caster can be in combat - this would create some interesting battle rez opportunities. This spell would restore a significant amount of lost experience (80%). This would encourage people to conduct a traditional CR to gain their lost experience back. This spell should have a short cool down, perhaps 5 minutes to avoid abuse.
Just some ideas of course, feel free to tweak, expand further, or criticize.