I don't get it when people complain about repair bills when raiding. I mean, raiding is volontary isn't it? If you are not prepared for some dying, don't go and you will save those 40 or 50 gold.
Very simple really.
(And if the perceptive reader note a certain irritation with people going "What-we-wiped-now-you-can-pay-my-repair-bill-since-I'm-so-great-it-can't-have-been-my-fault-in-any-way", yes you are perfectly right. )