This has probably been mentioned before, and as I have to leave soon, I shall write this quickly.
If F.O is going to focus on the 'sandbox' mmorpg, wouldn't it be great to just be completely vulnerable outside of secure towns? Sure, the towns can be attacked too, but they'd have high leveled NPCs protecting them, but on the outside, players can form gangs of raiders and lurk outside towns to wait for people to venture outside, just as a raider would function in real life. I think this would make the game extremely fun, and would be a step up from any RPG such as World of Warcraft or RuneScape!

You're right, there have been a lot of discussion about this. Some people want wow-style (don't loose anything particular when you die) some people want permadeath some people want you to drop your items etc etc.

But Chris have also announced that pvp will be consensual, meaning both parties must agree on pvp before they can fight.

I have put up my ideas on some threads, go around and look a bit and you'll probably find something of interest

It's a great idea. F:O should be as realistic as it's possible.

Not only being vulnerable outside towns (I can't wait to meet 'real' raiders), but making possible to take all items from a dead player - it would make stupid kids stop playing F:O - good for us, bad for developers...