Just giving my opinions/suggestions for each of the bullets listed in the OP.
• PvP will be enabled everywhere on the map.
* Safe zones will be created in cities and villages. Any player who enters these safe zones when skulled will be attacked by high level guards (and they will kill you).
Obviously good, given they are what the mode revolves around.
• When you die you will lose 50% of your XP.
The XP loss seems like it will have a huge effect, given the XP curve is exponential. However, I dont expect people to be dying constantly either. The penalty could be slightly lower.
• You can protect up to 5 skills at a time so you don’t lose any XP in these skills. (limited to 2 combat skills only)
I'm assuming that HP counts as a non combat skill (or is protected automatically). It might actually be better to make it auto-protected just because of how much it would mess up characters as opposed to any other skill.
• When you are killed by a player, they will be able to raid your bank for one inventory worth of items.
Everybody wants to know how this would work in full (EX stackable items, where you access it), given how important it is.
In my opinion, you should be able to take a percentage of stackable items, and other things like food take up seperate spots.
Also, what happens if a player gets a key? Do you automatically have access to the bank? Do you need to go to a bank? What if a player is fast enough and takes items out?
• You will be able to insure your items so they can*t be raided, however if you die when wearing them they will automatically drop on the floor.
This is nice, just so you dont die while skilling and all of your rare/expensive gear is stolen. There should be a limit on ensured items, though.
• You will receive 5 times the XP you normally would.
YEA