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In the beginning I was reloading. Later when one died, the others were sad and died too, heroically. 1680 hours of stories. I am very afraid you will want to improve something and actually you will take away from the original game.

It entirely depends on who, how many, and the circumstances. If the character was pivotal to the run, then it's a reload unless there is a satisfying way to continue. A bug death is always a reload. And TPKs will be as well. But I've buried several chars in my saves, really plays into revenge arcs