I’m telling you, just play Pathfinder 2e already. They have great dying rules that prevents up/down abuse with the wounded condition building on the dying condition to stop the up/down cheese seen in 5e.

I used to run 5e for years and also use to make all kinds of house rules and systems just like this to get it to run how I wanted it to because it doesn’t do much outside of combat out of the box. I read through the PF2e rulebook and kicked myself for not switching sooner because they have a rule for damn near everything I would want to run and super balanced at the same time.