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You should never have to respawn, ever. The hard part is finding your body to be reunited with it if for any reason your ghost is not teleported to it when you get raised/resurrected. This happens if you are offline when the spell is cast on the body (unless they fixed it, in which case I'll cross this out).
I played a cleric and I can tell you that resurrecting even high level players is pretty cheap because of the discount you can get buying diamonds with Appraise. I used to encourage people to buy things from me with diamonds because they'd save money and I valued this undroppable form of currency that gets people alive again, in a game where deaths are frequent. Some clerics will not even ask for payment when resurrecting you.
It's not convenient in the slightest, people can't always be online, but this is a reason to make friends with people who can cast necessary spells and provide them with diamonds that you find in loot, where they are severely undervalued, or get them in touch with a high Appraise character.
At the end of the day, nobody can stop you from asking for OOC help, and silly deaths happen all the time. This advice runs parallel to that.