In common with something else I recently replied to, how about making it a player choice? I suppose I don't really see it as being any different to any other element of RP: if you think it should come at a cost, then apply that cost; if you don't, then don't. It's slightly awkward as there is this temptation to "compromise" an otherwise arguably purist play-through when it gets tough, but my feeling is that this should be at the player's discretion rather than the game's unwavering imposition of particular rules. But as ever, where does one draw the line? There's a very wide area between total anarchy and extreme pedantry.
