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Also consider that if they added a timer to exiting the game via alt-f4 then that also means they would need too delay every other way of exiting, including things like game crashing, isp drops, power outage and also 'save exit game'. Otherwise people will just use those ways to exit, and if they really did make it this way MANY more HC characters will die for reasons outside their control, and that would suck 10x worse for many of us.
Most of the issues you mentioned make your character die in HC also without the exit delay because the server still processes the game for a few seconds after it's interrupted. I lost 2 or 3 chars only because my ISP rotates IP numbers every several hours. Another few chars lost to client crashes.
