No thanks

DnD has revivify, raise dead, etc. as part of the lore. Yeah, a certain BG3 NPC shaves a bit of the cost off the top for you, but it is the same difference at the end of the day.
I understand the thrill though. I played X-Com on whatever difficulty it had that was permadeath and every choice felt impactful and it sent a jolt of adrenaline through me when the enemies went.
My heart couldn't take it though. My family has a history of heart issues, so I don't want to risk it :p