The Wages of Death

I haven't had raise dead as an option for characters that die in my campaign.  But seeing players really attached to a particular character because of his goals, equipment and hard won XP, I 'm thinking "why not?"  I've thought through the implications of death in this post.  And I realize making it too easy for players to sidestep will have a negative effect on some important things in the game.  So I want to make resurrection possible but costly. Here are some ideas about costs:

• Money, is the simplest.  Unfortunately my world is pretty low wealth and money is hard to scrape up.  What should the price be?  More than a single player might have at low level would mean the party would have to pitch in and there would be pressure for everyone to be more careful  in the future. 2000sp, 4000sp? (I'm on a silver economy)
• Favors.  This is least interesting to me because of the logistics of our games, the person raised might be gone for several sessions and am I supposed to keep retribution for ignored loans until they come back, and when that trouble starts unrolling and they miss the next session?
• Physical Change.  The most extreme example is the reincarnation spell from 1e.  Sure you are alive again but now you're a badger.  The problem here is that if the player is forced to be too different how is that different than just rolling up a new character?  It would only matter if you were roleplaying heavily and the character had kids or a domain or something else that mattered than their class abilities etc.
• XP. You could just start them fresh but strip them of all XP, but again the MU in my game wants to come back mainly because it took so long to gain 400 XP.
• Affliction.  I think this is the key to give them want they want while extracting something that will result in more gamefun.  I had a player that was struck with seizures from being bitten by rats.  Anytime she rolled a 7 she would have one.  It was funny and dramatic every time she rolled to hit.  I could just have them roll on my symptoms chart.  A quest could be done for a cure.
• Moral Price.  The price isn't money but something squicky the players have to do.  This is problematic for like Favors above, because players likely won't care, or I'll have to make it so foul it will be awkward in real life "I have to do what!?"
• Vows.  I think this might be another possibility.  They come back hale and hearty with all their XP, but they have an vow that if the break it means instant turning to dust death.   The tricky part is crafting a vow that won't ruin the game for the player but won't let them off the hook.  I wrote a post about this here.  Here are some ideas: Never draw first blood, never eat flesh (this could matter because I let them heal more if they make meals when they camp), never accept a favor, never lay hands on a woman/man.

Okay, got to go.  I like the idea of giving the players a choice.  So maybe I'll offer three possiblities from the above:

1. A wealthy church that is very expensive but offers to raise with no complications.
2. A shady organization that raises through alchemy and incomplete anatomical knowledge leading to a symptom.
3. And a bunch of lesser gods that offer it in favor of a permanent vow in their name.  The vow would be unknown to players but dependent on which god they pledge themselves to (giving them clues).

Now I realize this choice is most important to the player who is dead, but they are dead.  How can they have input?  Should I let it be a meta-decision because it would be more satisfying and fun?  Or say "quiet you!" and have their party mates decide for them?