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moderate vs life insurance

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Sandbox Apprentice

Sandbox

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Yeah' date=' and the currency used to get it is usually earned and not SUPER easy to take. If you suck you won't have alot of it, heh. Not sure if this is good or bad, just an observation.[/quote']

this just proves that its for veterans.

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Ghrundor Newbie

Ghrundor

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if life-insurance is going to be kept in the game it should be referred to by its true name... equipment-insurance. no one is worried about losing their life when they get life-insurance, they just dont want to lose all their pretty equipment. so i either vote for its name change or getting rid of it completely. would also help rares getting back into circulation

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Kyzarius

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this just proves that its for veterans.

no, it just proves its good for people who take the time to prepare, learn, and execute well.

should they be punished for this? should everyone get a super EZmode button, wait..that would be moderate...:cool:

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Mindflayer Newbie

Mindflayer

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Not a fan of life insurance. It's a cop out. It shouldn't matter if you have to face three on one odds. They aren't allow to gang you (certain cabals have different views on this). Pick them off one by one in challenges if you have to. This is what makes you a better PK'er. I hate facing people who will just suicide and put up little to no effort in a PK because they have the benefit of life insurance.

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Guest emp_newb

Guest emp_newb

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Not a fan of life insurance. It's a cop out. It shouldn't matter if you have to face three on one odds. They aren't allow to gang you (certain cabals have different views on this). Pick them off one by one in challenges if you have to. This is what makes you a better PK'er. I hate facing people who will just suicide and put up little to no effort in a PK because they have the benefit of life insurance.

Not trying to sound argumentative, But you are arguably THE strongest person here. You do things quite often that alot of other players cannot do.

I RARELY can handle a 3 on 1. Not saying I will not fight it, but rarely does it work out in my favor. I bust *** for it though. You RARELY spend a week or two piecing together suits on your characters, as I interact with almost everyone you make, even after a full loot your pack to decked in a week. The fact that some new players, and to a lesser extent less experienced vets, spend WEEKS getting suits together plays into not wanting to lose it. I know if I spent 2 months waiting on a full suit of adeptus gear, I would probably stab my moniter with my keyboard and play 360.

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Sandbox Apprentice

Sandbox

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remind me how this is rediculous?

Penalties for moderate:

lose 2 items on death

cannot be highest ranks in cabls ( loose nifty skills and rp opportunities. )

limited numbers of rares.

Thiefs constantly pick on you because they know you cannot full loot them, whatever you take they can just steal back.

Penalties for Life Insurace:

You spend a few of your cps. , and in most cases those who buy it are the people who get 1-10 deaths in their entire character life. Which says they obviously need to lose some gear every now and then.

I know you veterans don't like people challenging your "ways of life" but honestly if your ruthless your ruthless, you decided you didn't mind being full looted at character creation. Thats my story and i'm sticking to it.

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Sandbox Apprentice

Sandbox

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These are two different things.

LET ME REITIRATE SOMETHING FOR YOU ALL! THE MODERATE TIER IS NOT A LESSER TIER!

Stop treating it like that! It wasn't put in so you could ask for life insurance to be done away with.

while you are 100% correct about that, allow me to reiterate ( correct spelling :) ) That many players have been trying to get rid of life insurance for a long long time. Now that Moderate exists it makes more sense because there is now a better alternative route that makes more sense then "keeping the decked; decked."

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Anume Explorer

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LI is meant to be used when there are heavy odds against you. We are discussing if it will be adapted slightly, to emphasize on this use.

I still say I'd rather have a sole player stay on against 4 enemies and duke it out with LI than the player logging off.

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f0xx Newbie

f0xx

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LI is meant to be used when there are heavy odds against you. We are discussing if it will be adapted slightly, to emphasize on this use.

I still say I'd rather have a sole player stay on against 4 enemies and duke it out with LI than the player logging off.

Alright, that is a valid reason.

But...

There are rules against tag teaming and ganging. So even if there are 4 players of the opposite team, they are not allowed to go after one target. So this basicly takes care of you concern.

Or perhaps a player should be allowed to purchase LI only if the ratio of enemies in the lands is bigger than 1,5.

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-Totenkopf- Newbie

-Totenkopf-

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Not a fan of life insurance. It's a cop out. It shouldn't matter if you have to face three on one odds. They aren't allow to gang you (certain cabals have different views on this). Pick them off one by one in challenges if you have to. This is what makes you a better PK'er. I hate facing people who will just suicide and put up little to no effort in a PK because they have the benefit of life insurance.

DITTO. I notice this happen as well, particularly when people fought you too Kurvi. They'd just life insurance up, and then die, yay, my bounty is gone, Kurvi will leave me alone for a bit. Multikilling is against my characters reasoning. As such, if I don't get their eq the first time, I don't get it at all, unless they decide to come lay on me. I think my character might need to have some revelations, and fix this situation.

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-Totenkopf- Newbie

-Totenkopf-

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LI is meant to be used when there are heavy odds against you. We are discussing if it will be adapted slightly, to emphasize on this use.

I still say I'd rather have a sole player stay on against 4 enemies and duke it out with LI than the player logging off.

Back to the normal of preferring your EQ over your life. No good. I tend to prefer my life over my gear. If I get captured and set for execution, I am not at all worried about those half dozen items I just lost. I want breaking out! I don't go offering large bounties for my gear back. I offer a large bounty for my release.

There is nothing wrong with having to reequip. I find it a more enjoyable aspect of the game, especially when new and you don't know where all the good bits and pieces are. You end up with some vets who can show you where to get this good gear. I've been fighting against the odds ALOT recently. I never life insuranced up, I ended up getting a killed, a couple of times. It didn't bother me, and you wouldn't have hear me complaining about losing my gear (even though I lost some of the best gear in the game). When I manage to come back, barely defeat they who just took my stuff, I was extremely annoyed when they were life insured. Not only was I fighting 3vs1 against the odds, I couldn't recoup what I had EARNT back.

You know what, maybe they are just smarter then me. It is a tool at their disposal, they choose to make use of it. I consider it an OOC tool. Characters don't know they are even coming back to life. They could be sent back to the abyss, their gear of no use to them. Why they might think they want to insure their clothing for when they die is beyond me. I've never been a believer of the poisoning ones self idea either. Who in right mind is going to down some poison, that is a substance that has the potential to kill them.

These are used on a purely OOC basis, to gain as much power as possible to kick peoples arses.

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f0xx Newbie

f0xx

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I don't use LI for the following reasons:

1. I've only used it once and I found that the whole PK feeling is much different, I didn't like it. I just didin't care whether I would die or not.

2. Because of #1, I tend to battle at lesser effeciency and I don't like that as well.

3. Nowadays I've become very paranoid and careful. I don't say I am a good PKer or something, but hell, if I want to survive I *WILL*, therefore if someone manages to kill me, he deserves my EQ.

4. Just as Toten said, I feel LI as OOC. I just feel/felt wrong when I use/used it.

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L-A Newbie

L-A

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You know what this thread shows - all the people who aren't good enough to have access to LI all the time (and I've been in this boat more than once on several characters). Seriously - think about it, the ppl with THAT much LI (who aren't Herald Healers) usually get it by taking names and kicking @$$. Its not like they are hiding in Steel/Deso/Dischord/Gear for ticks on end to get enough cps for LI. Now, the guy who CAN use the life insurance really doesn't need it - he's already walked over a path of bodies to get the almost-perm LI that is the subject of this thread.

The VERY few times the 'Titans' face off, yes, some of them use LI. This allows them more battles and more fun before someone ends up looted. In some cases they take only a few items from someone and do it all again (respect between cabals isn't unheard of...) If you just killed your #1 cabal enemy the next thing you do it run for his altar and take his item (no powers). No you'll have to rest since it was probably a close battle - and he's probably at least 50-75% basic re'eq. If you're playing an experienced player you won't make it away from the alter without being jumped by someone with eq looking for vengence while you're hurt. If you rest you won't get a free run at the altar.... Decisions, decisions eh? Unless you're a sook - in which case you should 'cabal leave confirm' and log off. :P

If you're here complaing about someone using LI ONCE and not having it again then most likely they are a pussy and will log off after dying and not affording LI. What you're not seeing is that they WOULD HAVE LOGGED THE FIRST TIME without fighting you and risking a death. What LI actually did is allow you a kill, some cps and a good time. The pussy was never hanging about when there was risk involved.*

I also think LI should be a ruthless perk ONLY. Moderate need not apply. The easy way to extend this is allow it only for Trusted and above in cabals.

Also remember many 'vets' came up in times when we'd get killed, grab a set of tainted/mithril (20min re eq is easy, I can still do it) and go for it. There are some skills that are learned but never taught and how to sucessfully fight again 2 - 4 cabal enemies even after dying is one of them. I have personally died and had all rares taken and come back in less than 20 ticks and bashed two cabal enemies at my cabal. Gangs weren't usually happening (at thealtar is always fair game and camping it a staple tactic....) because people WERE hungry and came looking for you. That's the beauty of having a number advantage - you can have a item taker, a hunter and a defender and some other guy trying to do it all. It doesn't HAVE to be a gang though if it crosses and you end up fighting several just shut up and do it. If they aren't grouped you should be able to deal with it.

I don't see the issue - though I swear and curse as much as anyone when I nail someone can can't take their sh!t. In the end it just means another @$$ kicking for them though - and come on, we all love a dealing out a good beating :cool:

L-A

*Note: Those pussys are an endangered species as well as the IMMs and other players in the cabals invariably find and eliminate them. Trust me, if I think you're a pussy and keep leaving me on my own vs multiple cabal enemies I'll call you out. If you won't throw down I'll probably just kill you next time I see you in the cabal HQ. Seriously, what's a pussy going to do?

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While the theory of people playing their chars with only ic motives (life over eq) is something I fully approve of, in reality few players will do this. There is also no actual rule against ganging or tagging (unless you are a qclass/race), but most cabals enforce this if you want to get past V. The reality is simply if the average joe logs on and sees 4+ cabal enemies (same cabal or different ones) on, the usual reaction is to log off. A few stay around with LI, exremely few without it. A player that happens to play in the absolute underdog cabal should also have a chance to keep his eq and not reequip every death he takes if he logs on regularly with a ton of enemies about. With being in cabal, come cabal duties (having to defend / retrieve) but also a couple privileges.

As to the suggestion of only letting it work if a certain ratio is hit, this is exactly what I was talking about in my earlier post. We are currently discussing this.

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