What are your thoughts on the current amount of death penalties in game

I can't conceive why someone would waste their energy complaining about something that has as little impact on gameplay as a 10% death penalty.

You're not gonna be significantly more powerful at lvl 100 than you are at lvl 93-95, I can promise you that. If you are gonna play PoE you should temper your expectations about hitting lvl 100. It's nothing but a completionist goal and always has been