Every single time I see a thread about combat logging, the hair on the back of my neck stands up and I instinctively take and aggressive posture.
So many people act like this is either some new phenomenon, or seem to think Frontier has never considered the possibility that this could happen.
Those folks couldn't be more wrong:
https://forums.frontier.co.uk/showthread.php/4604-“I-see-dead-people”-–-Dying-in-Elite-Dangerous
Sandro Sammarco said:
One of the issues we need to grapple with is how to deal with potential death and network loss. Should your ship attempt to hyperspace out when the host of your session loses your connection, or does your ship simply take punishment from enemies until you re-establish contact or until it is destroyed?
This was from 2013.
That's four years, folks, and Frontier still doesn't have the right answer.
You may like your ideas, and think they are the absolute best solutions, but if that were the case, don't you think the actual professionals behind this would have already implemented them?
So clearly they are not.
Clearly this is not simply an easy issue to address and resolve, or would have already long since been done.
OR, it's just not as big of an issue as some would have us believe.
And you can see that the concepts of associated costs are also addressed in this archive post from 2013.
We never did get that opt-in cargo insurance, though this still seems like a good idea to me.
Probably one of the most precious of "cargos", however, has to be an Explorer's data, which is also lost in the event of ship destruction.
To this end, I think if there were a method to safeguard this a lot fewer people would be less apt to "pull the plug" so to say, on a combat situation.
The only way I could see to do this would require a little updating of the commanders log and some creative programming, but could be implemented as this:
In the event of ship destruction, a location log event is written to track where someone died. Returning to that location could then cause a Signal Source to spawn, which contains wreckage appropriate to the ship that had been flown prior to destruction, and a legal (for the former owner) salvage Black Box spawned. Exploration data is already written to the log, so determining what data should be "restored" upon recovery of this particular Black Box shouldn't be terribly difficult to restore as well.
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The next largest "pain" of death, comes in the form of the Loss of Crew - which could likewise be addressed in a similar method as above - where a Signal Source is spawned at the location of ship destruction, containing wreckage of a ship type appropriate, and an Occupied Escape Pod. Recovery of said pod could then restore a lost crew member, with a chance of reducing their current ranking, and those who would then be reduced below Novice rank could generate a "Thanks for rescuing me, commander. I must not be cut out for this line of work. I'll be exiting at the next station we dock at to rethink my goals" message and exit service gracefully.
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Loss of cargo is a separate matter, and while it can certainly be a pain, I would not expect any changes, with the possible addition of a purchasable Insurance for cargo. I would address this as a one-use sort of plan. You purchase your cargo, purchase your policy, and the amount of reimbursement available is dictated by the policy.
For example, a Class A Policy would be the most expensive, but cover 90% of the total cargo value. A Class B policy would be less expensive, and offer a 70% reimbursement. A class C Policy again, less expensive, and cover 50% of the cargo value, and a Class D policy, least expensive, would cover only 30% of the cargo value.
Once a policy is claimed, which would be done on the rebuy screen, it is then "spent", and a new policy would then need to be purchased.
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The only real pain of death that cannot be addressed is the simple inconvenience of it. If you departed from Sol for Sag A* and happened to get blown up a few hops away from Sag A*, you wind up back at Sol, many credits lighter, and having expended a good deal of time. There is no recovering from this loss of time.