I'm going to repost this here as its own thread, because I like this idea and would like to have it honestly considered and debated.
I've been thinking about looting and, to be honest, I think it would be neat to have the player drop all the rares they have, along with everything in their inventory, but keep the non-rare equipment they are wearing.
Were this to happen, we should also get rid of life insurance completely. This way, decked people will still be able to dominate fairly well, but they have a MUCH greater risk. Non-decked players are still competitive, and have less to lose by going all out. I think this will mitigate the risk level a bit, and that will help to level the playing field as well.
People want to loot, but the primary reason they want to loot is to gain the decent rares the person has. Non-rare items are easily acquired. However, LOSING an entire suit of non-rare equipment does not lead to a great deal of risk rebuilding it, but rather to a fair amount of time spent re-equipping. I am sure most of you will agree, re-equiping is perhaps the most boring, annoying part of the entire game. And for many, it constitutes the majority of their gaming experience. In an effort to make the game more enjoyable for all, and less frustrating for the new folks, let's lessen the time spent doing pointless, repetitive actions that we all hate.
NOTE: Lockers, to an extent, serve this purpose. However, in my experience, lockers randomly disappear along with everything inside, regardless of money paid for upkeep. I just recently lost a sack that held my collection of heads from bounties collected, and I was sitting with over 500k in my account. If this idea is not implemented, at LEAST fix lockers so we can reliable store non-rares in them.
I like it. Very much. Re-eqing is ONLY annoying. Nobody needs those non-rares anyway, if they just killed me, or you, or anyone else. But they are a nice start when you have yet another round of boring eq gathering in front of you. Some nonrare things should be lootable though. Gold for example. Maybe bags and consumables.
Uhhh just wait for a second....the beginning of your paragraph makes no sense at all. What do you mean by dropping all the rares they have and everything in their inventory? Please elaborate, right now I'm thinking you mean just get rid of all the rares? Or perhaps you mean dispose of them so you can pk in a non-rare suit only? Either way that means just about the same thing.
Then in continuation to your post, why would life-insurance be needed if you didn't have rares? Because basically everyone would be wearing the same non-rares: onyx/opal rings, mithril/red dragon/tainted, medallions/teeth and so on.
Also just another question, how long has it taken you to get a basic equip suit of non-rares?
Actually, I find getting non-rares the *most *annoying part of re-equipping.
I like the removing of life-insurance idea.
I disagree with removing life-insurance. Most mages can get by with just their spells and a weapon and shield. But melees cannot throw themselves back into a cabal battle with just the minimum rusted medallions, mithril, and translucent combat lantern. Especially not those melees with easily exploitable vulns. Life-insurance is to protect those caballed characters from losing all their equipment from a single mistake/ganging in battle. This is one of the many benefits of becoming a member of a cabal.
Most of you would probably disagree with me, which is fine, but cabals hurt characters a TON more than they help them in the long run. If I wanted to own everyone, I would never join a cabal.
Being in a cabal makes it so you have to fight an opponent for all intents and purposes now. If I wasn't caballed, the only time I think my characters would ever die is losing link (Most of my deaths are from these anyways 
Silly bad connections) and the very occasional happenstance that a slip up is so grievous that it causes me a death (99% of wrong moves don't cause a death). Nobody is going to kill me if I don't feel like fighting, and I have all the time in the world to time my attack perfectly, give myself all the advantages, and then roll over you.
Being in a cabal might make it so its easier to kill other people day-to-day, but I bet the Kill/Death Ratio of well played chars that are caballed are way less than they would be otherwise.
The reason people play in cabals is because it adds another dimension of role play, excitement, comradery, and interaction. Maybe the skills will help them get more kills, but the membership will hurt their raw ratio more in terms of deaths.
EDIT: I just realized I never added how this relates at all to the thread. Anyways, life-insurance is a perk to caballed chars that might seem strong, but those characters that always kill you already would die a lot less if they didn't have cabal duties.
Actually....non-rares tend to be more powerful and beneficial then rare items...
Guys...FL has been going for what, 10 years now? People have been getting full looted for....10 years? Just deal with it, learn to re equip. And learn how to play with what you have. Despite what you or anyone else believes, you can defend(even kill) or run away from someone in mithril/tainted gear and a weapon. I highly doubt the IMMs will implement a looting rule to where you can only loot so much from a 50 corpse, or any level for that matter.
DISCLAIMER I IN NO WAY SPEAK FOR THE IMMS OR ON THEIR BEHALF END DISCLAIMER
There was one time a cleric beat me with just a shield.
My point is .............hmmmm
Sry for the randomness
Not if you were Martineius or Suunmar 
In part, I disagree with you in any case. However, it doesn't really matter because mentioning two combos that were deemed overpowered and have been toned since isn't really an apt example.
Questioner -
I misread your post. I was referring to the non-looting of non-rares worn on the body moreso than life insurance. In all honesty, life insurance has never been a real problem for me, but the concept is disturbing that I may be battling someone who is fully decked, has cabal powers to mitigate my non-caballed abilities, and can essentially walk over me. In the off chance that I DO get the kill on them, they can just take time to rest up and come back at me in full power. Meanwhile, if I die to a character that is typically stronger, I have to take a day or so dodging everyone while I gather mithril and build up from there until I get a suit that makes me decently competitive.
There is a wide disparity there, and imho, something should be done to even the gap.
And to Archgold -
What I meant about dropping inventory and rares is that, when you get killed, everything in your inventory and all the rares you are wearing remain in your corpse and can be looted. The non-rares that you are wearing would respawn on your body or maybe in your pit (which might tie in better with RPing being given a new body) so that you don't have to start re-equipping from being naked.
Of course, this means that a character decked out entirely in rares has EVERYTHING to lose from dying, while a character in th eprocess of re-equipping will lose very little.
On a side note, this would also help with the frustration of trying to re-equip while getting jumped everytime you gather mithril. I can't tell you how many times I would be naked and getting a starter set when someone would rush and bash lock me. At least if I died then I woul dkeep the starter set I had managed to acquire, instead of starting from scratch yet again.
Who would loot you mithrils/medallions anyway....the most annoying things to replace are backpacks consumables...mithrul and medalions and so on can be gotten for less than 10 minutes.
Who would loot you mithrils/medallions anyway....the most annoying things to replace are backpacks consumables...mithrul and medalions and so on can be gotten for less than 10 minutes.
You would be surprised.....
It's not the point that it takes 10 minutes to get Mithril and Medallions. The point is you have to do it again... instead.. you could have your mithril and meds, now you are working toward a more common rare..
Now if you lose, yes, you lose that common rare, but you might put up a little better fight, and now your off to try for the common rares again, still in your mithril etc...
I like the idea.
I would love to get some feedback on what one of the imms thought of this idea.
This would actually help melees out a bit. I really hate walking around with no detects and no flight. And I really hate having to get the money together for a friggin orb. Out of all the proposals to change looting, this is the one I would be least opposed to. You could make non-rares non-lootable, except for thieves, who would have to steal them from the corpse.
That said, I'd still be opposed to it. Death is death. You can't keep things if you're a corpse.