Return durability loss was implemented to add a sense of danger to dying.

I think this is best, maybe reduce the amount to like 15-20% though. 4 deaths = full set of broken gear kind of sucks, but whatever.

Dying and losing SP in this game would be really bad. *It is not setup for SP grind parties yet*
Dying and losing all your money sucks. *No one wants to lose their gils*
Dying and losing nothing is lame. *Makes it seem like its ok to die*

Shouldn't you strive to be 100% successful in everything you do, especially in a video game? I do.