I home ruled it to this. Make a only luck modified roll against DC 12.
First of all Players HATE to roll a nat 20 to save there characters and fail.
Second of all I'm a softy and figured a base chance of like 40% was big enough for death to still sting but give the guys a break from time to time.
Third of all Luck in my games seems to hang around the toilet. The players eat tons of badness for this already. Perhaps im a little too miserly with the luck points.
Even with a -2 penalty to the roll it lets them save there character with a 14 or higher. I can live with that.
I was being a grinch with the Luck points at first. But I've made myself aware of when to hand them out. It really seems to equate (for me) to the more Luck you give, the more they spend, the more fun we have.
As far as "recovering the body", that's one of those rules I always forgot at the worst moment. I use the Death/Dying rules I wrote up for DCC now. They only come up every once in a while. They solve a couple of issues I'd had with the default rules while keeping the game pretty doggone lethal. Earlier passes at the rules were a good deal less lethal. The latest rules are a good upgrade.