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As for PvP and PvE and experience loss:
PvE XP loss is completely buybackable. Not semi, completely. But the more you lose (the higher level you are, the more you lose, of course, since you have more) the more expensive it becomes to buy back.
PvP XP loss doesn't exist when fighting the other faction, I think (don't quote me). The penalty for PvP death is a long, long walk back to the action. Your bindstone is probably back at some town or outpost in PvE land, or maybe at a far away fortress or spawn-in point miles from the main conflict. Also, rez sickness that you can either wait to wear off or pay to have removed.
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