I just /cmd stats'd my level 9 ShadowKnight.
I've killed over 200 monsters (most of which white or yellow), and I've had 61 total deaths. I have found that the exp debt is not the annoying part. If anything is annoying it's dying, getting death fatigue, and have some idiot run to zone with a chain aggro of 6 yellows that gank you in 5 seconds flat. That's annoying.
But seriously, the only annoyance i've had is aggro under death fatigue.
I am positive that, as a percentage, I die more than you. And I do not find it to be that bad, inconvenient? Yes. Especially when i've just paid it off and die again. But life's a bitty and then you die. And when you die, it should suck.
- Alexaandria