I thought you might be interested in looking at Character development, more RPG elements but if you die, you not only lose your loot, but your character ability development. Still keep your shelter and stored items.
https://forums.bohemia.net/forums/topic/221846-character-development-more-rpg-elements-but-if-you-die-you-not-only-lose-your-loot-but-your-character-ability-development-still-keep-your-shelter-and-stored-items/
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