There will be some way to regrow limbs... and yes, it should be 'painful' to lose a limb.
If you can die and be resurrected then there should be some way to get a limb back... but it shouldn't be easy.
You make a deal with that guy — over there — behind the ally.
Ewww... are you EATING with that hand?!?! You don't know where it's been!