I *still* don't know if I like the idea of cloning. I know that it's 'the wave of the future' and that 'the technical problems will get resolved' but... well.. I don't know. I also kinda like perma-death.
I would be willing to comprimise: Make it so that 'clones' aren't very popular (even if used to prevent death.) ...and if anyone finds out you're now a clone, well, your drinking buddies are going to find a new table. (might even be some mindless, radicals who commit hate-crimes against clones.)
Now, let's up the antie, and make cloning very difficult. *VERY* difficult, and not extremely accurate (in terms of what transfers over). The better the copy you want, the more you need to pay. Also, it'll be a limit of one per customer, and only have like 2 or three companies who do it. (It's so damned specialized, and profitable for those companies that they monopolize the market).
Part of the proceedure should also be outfitting your clone. You need to give him whatever you want to have when you die. Who knows if anyone's gunna bother to collect your stuff for you, and if they do, who says they'll give it back. So, unless you want a naked clone, you better give it some clothing, at the 'bare' minimum.
So, set up like this, there would be a limit to how many clones you could have. (Since they have your DNA on file you can't pretend to be someone else.) Also, if you *do* want to go over the normal limit, the price skyrockets.
This way, death means death... but if you really want a way to save your character, it's possible. It's also up to you to get enough money to afford the proceedure. (The military might give every soldier one single clone, of about 3/4ths your old levels.)