-1, it’s a huge no no for me
This is easily exploitable and abusable by classes that rely heavily on AP (eg. upkeeping Climax by AMs and Calamity Gale by WHs). If you die inside an instance, you have skills to replenish your AP no matter how slow it is.
You should be encouraged to play the game—survive, build resist gears, adjust your stats/traits, follow mechanics, or bring a tank if you need to if you cannot solo CT like AMs and WHs for example and you’re too worried about dying carelessly and losing your AP. Having an NPC Healer in towns to go back to instantly refill your AP is already a huge QoL and this one specifically is unnecessary.