Some players are against downed state and revive while others are for it.
I suggest to give player a choice. Before entering downed state, there can be a 5 second count down message box prompting whether user wish to go into downed state. If they choose yes, then any subsequent death will incur repair bill. If player choose no, then they will die instantly without downed state and any option for revive but they will not incur repair bill.
If the 5 second messagebox is going to severely impact the flow of live pvp, then give give this as an option to choose in the F11 option setting.