Sim's death - how are you dealing with it?

I usually play with aging turned off, so I don't really have to worry about it (unless I need ghosts for story-related reasons). There have been a few incidents, though. A couple of Sims have set themselves on fire while cooking (and the scary part was, they had the highest cooking skills in the household), one nearly froze to death even though she was wearing her cold weather outfit, and just this afternoon, another Sim came dangerously close to overheating (which was my fault for telling him to go jogging in the middle of a heatwave, ^^;).

So, yeah. If my Sims are ever going to be in a situation where I think they're going to die, I'll make sure someone has their Book of Life. Possibly several copies.