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Not all of us in factions are fighters and hardcore pvpers.... Some of us on theives, who are necessary to steal sigs... And some of us are blacksmiths, or make faction armor for others.... Look it at it from a different class perspective. I think this is why they made it so you could have all your characters in a faction, because it was made up of hardcore pvpers only and there was nothing of the other classes..
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Hmm, I have only one character, an archer, in factions that I would consider made for hardcore PvP. The other characters I have in factions are tamers, thieves, and tinkers.
Since I don't try to do any fighting with the tinker and I generally keep her out of Fel as much as I can, skill loss and no beneficial acts has never been something I worried about for her. If she were to die while on her way into the base to vote, I'd just wait and take her later when it's safer (voting periods last a few days).
I don't really use the thieves outside of Fel. However, if and when I do and they die, NPC healers are commonplace enough to not make it a big deal.
I hunt with my faction tamers in all facets. Regardless of where they die, I just find a healer to rez them if no one else is around or if everyone else is busy fighting. I also have other tamers that aren't in factions that I use when hunting in a group with non-faction characters and cross-healing is something to worry about. What works best though, of course, is to just do group activities with other characters that are in the same faction. That should be a lot easier to accomplish now with the rule changes that are included in Publish 52.