This is something that kind of occurred to me when I was half asleep at some point during the weekend, so I haven’t really fleshed it out or balanced it much but…
Life Points
You get them by living it up and use them, like other Rewards, to help you on your adventure. Did you splurge on a fancy hotel? You get a life point! Go out for a night of raucous drinking on the town? Life point! Meet a sweetie and have some, erm, adventures? Life point! Any time your character does something that gives them a good memory that they can hold on to in times of desperation, they get a life point.
Why life points?
It adds more character to Town. Town is still a place to relax, this addition shouldn’t be an excuse to make town an extension of the harrowing adventures in the wilds. However, instead of Town being largely mechanical and as a consequence feeling a little dead (though that could certainly be the fault of the GM, that being me), it adds a little spice, a little… well, life to it. It makes players want to go back to town not just to stock up but to live it up. It gives them an excuse to splurge and spend all their loot even more, reinforcing the desperate cycle of poverty and adventure. Furthermore, without making town intrusive, it provides more encouragement and opportunity for expressing your character while in town.
How do you get them?
You can never get a life point without some cost or increase in lifestyle. Even if you’re married, for example, you might need to try taking your honey out on a date once in a while and maybe you can make some good memories together instead of just arguing all the time! It’s completely up to the GM when you get them, but this is an opportunity to be generous. Basically if the character spends a little extra to do something fun or memorable in town, that gives them a life point, something to reminisce about and something to look forward to again the next time they get to town.
You can only get them in town. You lose all unspent Life points when you enter town (after spending checks on recovery). The old memories make way for the new.
How do you use them?
That’s the tricky part, Fate and Persona have things pretty well covered… but here are some suggestions and maybe my fellow torchbearers can help me hash them out, offer other suggestions, or suggest fixes. Note that these are narrower in scope than Fate or Persona points to help try and keep them balanced. I’ve also focused on recovery and survival to ensure that these points don’t help you achieve things, they just help you get out alive to see another day.
I can get through this. Gain a +1D to a recovery test. Maximum +3D on any single test, including any Persona points spent.
Sweat dreams and memories. Use a Life point as if it were a check for recovery. You can do this only once per camp phase. Having a Life point does not entitle you to camp. Life points cannot be used for non-standard recovery (i.e. Healer or Nature tests).
I can’t die here! Gain +1D to any test during a Flee conflict, and only if you are the one fleeing.
You lived a good life!
Every time you spend a life point, keep track of it. Do not keep track of life points that are lost without being spent. When your character dies, the number of life points you’ve spent is your score. You lived a good life! (or not)
Related Hacks
https://www.burningwheel.com/forum/showthread.php?14092-Hack-Townies-Life-in-the-Rut
https://www.burningwheel.com/forum/showthread.php?14068-Horrible-Hack-Simple-Man-s-Traits-Checks-and-Camp