Resurrection scrolls wouldn't be a problem in my opinion - it's when you entire party wipes that should not allow you to continue (auto-delete all save games). I imagine the simplest solution would be to automatically delete the previous save game anytime a new one is saved (and disable auto-save) s you would only have one save ever, and if your party dies to auto-delete. Maybe attach this functionality to a specific profile as well.

I'm lvl 15 currently in my game and would love to go through this again with hardcore - maybe I'll actually start using potions/scrolls/special arrows. Not that I reload often, but the tension isn't there since I know I can take chances and always reload.

Good news regarding treasure - I think a minor 5-10% bump would be a nice compensation for playing on ironman.

What about editing insta-kill scenarios? From what I remember they all give a set damage of 32k or so, so it should be easy to search for this among the code and swap it with a few hundred.