I like #3 best, but #2 would be fine too.
I will comment all 4 ideas:
<font color=008B8B>1. Allow everyone to insure one item at the full production shard cost, with PBDs allowing people to bypass that cost, thus they keep their usefulness.</font color=008B8B>
This may be the most easy, but I don't like it to cost money because just a little money will promote res killing and for a New on Siege it may cost to much just to insure a weapon for training.
<font color=006400>2. Allow everyone to insure one item at a reduced production shard cost, with PBDs allowing people to bypass that cost, thus they keep their usefulness. </font color=006400>
Again, I don't want it to cost anything, but I can see, it will stop players complaining about losing the advance of their promoting gift. 100-200gp would be fine
<font color=00CD00>3. Allow everyone to insure one item for free. This is exactly the same as the context menu PBD, just using an existing system. However, this would make PBDs useless, which is something to consider. </font color=00CD00>
I have PBD on most of my chars, but I still find this would be the best choice, but I also understand, that there will be someone who will complain, that's sad /php-bin/shared/images/icons/frown.gif
<font color=red>Added:4: Allow everyone to insure one item at the 3X the full production shard cost, with PBDs allowing people to bypass that cost, thus they keep their usefulness.</font color=red>
I would hate to see this, sure 1800 gp is not alot, but it's 900 gp to the killer and it will hurt newbies hard and we will see alot increase in res killing and people will fear to accept a res from their killer.
I had not read the rest of the thread but this would be very bad in my eyes. There will be enough loot left on the victim, no need to promote res killing too.
When we are with the prices, please lower boat prices to normal prices, there is no need for 10 x boat prices, it only make the sea a desert. I would love to see more life on the sea, I would love to see non mages use boats to get to islands, as it is now, noone can affort losing a boat to our pirates.
If the prices get lowered, you can tell the GM's not to help players back on their boat, the players will be able to buy a new boat and let a friend sail them back to the boat. That will spare the GM's alot of trouble.