Agree with points 2 and 4, disagree with point 3 - those resurrection magic scrolls are fundamental in a game where you cannot create a new character on the fly
What Ansem said. Yes death is a thing, but depending on DM they can do things to either bring back the character OR (which is more likely), let you make another character. That's not an option here. Once your main character is dead, it's dead and now you have to go around looking for a scroll or some healer? I've only played the first 3-4 years yet there has not been a single trader NPC of any sort, or any way to get more "custom mercs", so once I lose a companion and don't have a scroll, i'm shit out of luck.
I just feel like there is space for something clever than just a scroll here. Like being able to bring back a character by performing an out of combat ritual with different skill checks tied to the character who died. Or being able to use your class specific toolset to help in the ritual. Something that would make your whole party collaborate instead of just being there.