In response to an earlier statement-
I think the situation we had before was that the only players who PK'ed were the griefing players who laughed at their vicitims when they forget to click decline after leaving town. Is this fair? (Expecting direct replys to this question, but for now I'll take it as a given).
This wasn't really the case. I think most people want to pk in some way, but the lower level players feel there is no reason to take decline off because there is nobody they can kill. The high level players always had decline off because they couldn't be killed. Before autodecline your low level players (1-50ish) would take decline off because they could kill those new folk that stumbled on to quest for the first time. These 1-50 players would then make an appetizing target for your 100-200 level players who would swoop in for hte kill knowing that it was a rare opportunity where a lower level had decline off. Once a few pk's started popping up showing that a wide range of players from 1-200 had decline off eventually a higher level player would move in and chase everybody off. When that high level player successfully killed everyone or had them run away he would go back to leveling and the cycle would repeat itself.
The key to the pk system was getting someone lower then your own level to have decline off. This was accomplished through logging in as undeclined. Now I'm not saying we have to go back to that for pk to work (even though it would be nice), but there has to be some way of making a lower level person want to take decline off.
So as a direct response to your earlier statement, more people PK'ed then just those looking to slaughter anyone who wandered out of town after forgetting decline.
That is quite a harmless situation you describe.... IF....
You don't lose your gold while pk-ed
Any objections to PK-deaths dropping 5% of gold on hand?
Also, when a player dies from a PK we'll mention the bank and make decline flash... Once that is implemented I see no harm to having the decline be OFF by default. The F2 option to log-on declined will still be available, but for new characters will default to OFF.
About clans... Lets cut clan cost waaay down... divide by, say, five... 10mil... then cut the tax in half to 250k, then go from there. Once we get a few clans going we can talk about clan bonuses for being tagged up, and clan wars.