Just to put in another idea: I reverted back to the good ol' constitution loss method. The XP loss didn't really work well with me and my group, but I still wanted the players to feel some loss and fear of dying (especially after the two party clerics were able to raise dead /ressurrect). That's why I ruled that for each raise dead/ressurrection the character looses one point of constitution (the stress of being brought back, etc). Worked quite well for my group: being raised is still a viable option while the players are still careful as a few "raises" drop their character's constitution scores to levels they don't like - and no long faces, discussions, whasoever about lagging behind with XP.
