You should not have a repair bill from pvp other than very minor amounts.  PVP does not cause a 10% loss of durability per death or anythign.    I've played games that lasted HOURS of dwarves and elves giving my armor their worst and only lost a few percent, almost unnoticable.  I did it most of the summer and it was never more than a couple gold at most, I mean 20% durability loss over the coarse of MANY, MANY hours...maybe even a couple days.

Durability is not the same in pvp as in the &quot;real&quot; world :)  Don't be afraid of the money issue, it shouldn't be one really.