I mod out the skill loss on death. I think the naked walk of shame is punishment/challenge enough. With the skill loss, I'm encouraged to play too cautiously, as in never engaging with trolls, and being afraid to set foot into a new biome. I'm already cautious, but that doesn't help when I'm not sure how my armor and food stacks up against a new enemy. Worrying about my number-skill makes it harder to practice enough to improve my player-skill. Player-skill improves by taking risks and trying out things I'm not already good at.