I dont like to play hardcore diablo. I just dont like putting all the time and energy into a character that i can lose permanently.

It would be kind of cool, IMO, if blizzard made a medium-core mode.

in this mode, when you die, you lose half of your experience and levels. It would reset/unlock any skills/points you had invested that go over whatever level you return to after death. this method would allow you to re-e.xamine your build and tweak it as you re-progress.

I would actually consider giving this a try if it was implemented. And another added benefit is, your losses get worse the more you progress. so it has an increasing disadvantage to death.