Hello,
I'm still new to the game, but I don't understand the cloning and insurance.
I played EQ for a while, so I know cloning is kind of like binding, but what is the point if you can just select "return to nearest cloning facility" anyway?
I also don't understand the insurance system. I read in the manual that if you don't insure your items that when you die all your items stay on your corpse. However, i've died several times (after the 3 free) and I haven't lost a single item. Do you only have to insure items once or every time after you die?
Sorry for the newb question, but im don't get it.