I'd like a bronzeman difficulty. So you can save anytime you want, you only have 1 save, and it auto-saves when you quit. However, should the party be wiped you can load your previous save. A die = game over difficulty just isn't for me.
I also like this kind of thing and its a shame its almost entirely absent in videogames. Games sometimes work unexpectedly, and so the pure ironman can sometimes be unfair. A mode that ensures you are forced to stick to long term decisions by not letting you simply go back a half hour, but which still allows for the circumvention of hard game overs, is comfy. Its how i play mount and blade. realistic mode with a healthy amount of alt-f4ing. Strategic decisions have weight to them, but tactical missteps dont destroy you.