I am not buying "consequences". The game is too rng dependent and a single critical hit is enough for your character with full hp to die.
I prefer much less irritating gameplay than some "consequences".
A single crit isn't enough for your character with full hp to die though, at least past level 1 or 2. No matter how much damage you take, as long as you're not taken to your negative max HP in a single hit, characters in 5e don't die outright. And once unconscious, it takes at least two hits to actually kill them which provides time to stabilize or heal them.
I agree that BG3 is fairly rng dependent, especially with it's enemy AI and enemies being given multiattack. But I'd prefer that the AI to not target downed characters on easier difficulties over eliminating the ability to stabilize downed characters. Then you'll have 2-5 full turns to stabilize (or heal) an ally if they don't stabilize by themselves.
Having the option to stabilize fallen characters strictly makes the game less irritating, assuming all other things are left the same.
