Haven and hearth is a wonderful game, indeed it has so many intricate systems and ideas around.
Permadeath being one of the most essential and controversial. As it is I find it a little too harsh, thus I propose the following new skill to take the edge off it a little while not nerfing it completely.
Skill Name : Spirit Of Innocence
Requirements : Will to power, Must NOT have Rage
Cost : 150,000
Effects : Prevents the player from being murdered ON THEIR OWN CLAIM or WITHIN THE VILLAGE THEY ARE A MEMBER OF, death can still occur outside these safe areas as per normal. If the player is summoned using a crime scent this skill is temporarily disabled (thus allowing criminals to be executed). Players can still be beaten up, robbed, left unconscious etc
Skill Alteration : Rage
Requirements : Will to power, Must NOT have spirit of innocence
These alterations allow players to make a choice with their character, to whit do they want to exchange offensive abilities for a little safety. Originally I thought of making it a blanked murder immunity but that just seemed silly since death IS an integral part of the game, however safety in one's home seems reasonable. An alternative to one expensive skill is to break it up into 2 skills, one giving safety on one's claim and another giving safety in a village.
I am uncertain on Kin claims, I personally would lean for it to be safe however I am not sure if this would be too overpowered.
Of course I would also suggest that this kind of game changing feature only be implemented upon the generation of a new world (or a one time "skill refund" is done).