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Lessee...

1) I always have my PCs track both Age and Age, Physical. Mental bonuses base off of true Age. Physical penalties base off of Age, Physical. As either one of them can be higher at any given time, it's important to keep track of each.

As such, yes...it's a way to get +3 to all the mental stats, but it's not a "cheap" or "easy" way. It takes living out those years.

2) Please note that Reincarnation does cost you a level, and you have to be DEAD to be reincarnated. That said, the spell says a young adult body, and a young adult body it is. It's quite possible (assuming you die from something OTHER than old age) to reincarnate into a youthful body, gaining the benefits of youth and age simultaneously.

3) Raise Dead notes the inability to raise someone dead from old age. Similiar most revivication spells. MANY of the "ceases aging" powers STILL cause the individual to die when their "time is up", despite not aging physically. Arguably, I would say that Reincarnation, while providing a physically healthy youthful body, will still cause the wearer of that body to, inexplicably possably, fall over dead when his or her "maximum age" is reached. Call it enforced by the gods if you like.

As well, don't forget the existance of charming critters like the Inevitables from the Manual of the Planes...they don't particularly like people breaking the rules of life and death. People who go to extreme means, especially if they try to avoid death when their "time is up", have a whole new set of problems.

Carter Lupis:

Quote:

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PHB, Druid:

Timeless Body: After achieving 15th level, a druid no longer suffers ability penalties for aging and cannot be magically aged...the druid still dies of old age when her time is up.

PHB, Monk:

Timeless Body: After achieving 17th level, a monk no longer suffers ability penalties for aging and cannot be magically aged...the monk still dies of old age when her time is up.

Tome & Blood, Alienist:

Timeless Body: At 9th level, the alienist learns the secret of perpetual youth. She no longer suffers ability penalties for aging and cannot be magically aged...but the alienist is stolen away by horrible entities when her time is up, and she is never seen again.

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There appears to be a prescident that powers that grant you eternal youth still don't grant you eternal life...they just hold off the affects of aging until your "due time" comes around. This leads me to suspect that there's a cosmic time limit that's set for every individual, and it's one that is NOT easily overcome.

Personally, I'd say that Reincarnate can be easily played either way...you can reincarnate into a new, healthy body and take up where you left off from there...or you can decide that when someone reaches their secret "maximum age", that's it for them...period.