I have played on muds that have a 'safe' mode, you couldn't Pk anyone or be PK'ed unless you joined a clan or typed outcast. I really hated that because you have items that are restricted to a certain limit and all these people that can't be PK'ed have them, making it impossible for the rest to obtain them. I sincerely doubt that CF will ever go in this direction, but if it did, they would have to hard code it so any 'safe' chars would lose all of their limited items when they quit to keep them in circulation.

In your post you mentioned that you die to a mob, but can't go back to your corpse. Remember that when you are a ghost, as long as you don't attack anything, there are very few things that can kill you. Use that ghost period to go back to your corpse and get your things back rather than waiting at the pit.