When I play an individual quest, I want to play close to our limit, to be in REAL danger of having deaths in the party. As a long term plan, I don't want to do a quest more then necessary. Very contradictory conditions. Thrice now we have technically completed a quest, victory conditions checked, only to have someone die right at the very end. Was it bad tactics, no. Bad luck, a moments focus elsewhere then the red bar, or clumsy fingers on the keyboard including mine. I don't believe this group needs an outside penalty to focus our commitment. If we can get all the checkmarks, and defeat the boss and minions and have only one death then, if by consensus, we can move on. By that metric, we were successful in Irestone, WW and Depths 2. And by consensus, we are going to do the Depths chain again from the beginning.