For the third option, a couple interesting ideas I've seen about possible fixes are:
1. Lose only reserve ammo on death.
2. Lose only remaining current mag on death.
3. Lose special ammo only if you have your special weapon out when you die.
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Edited by Zuper Greek: 3/14/2017 12:19:37 AMEdit: meant to say pre-patch. I edited the title but it seems to stay the same.