Understand name colors and the difference between Karma and recorded player kills.
In ordinary field combat, attacking a neutral player turns the attacker purple. Killing a neutral player increases Karma and PK count; positive Karma makes the name red. Killing a purple or red opponent does not add Karma. Guards attack red characters and shop access is restricted. These field rules have separate clan-war and siege exceptions.
Hunting monsters reduces Karma. Clearing Karma does not erase the PK counter; Repent Your Sins addresses that counter. No verified formula for Karma removed per monster is provided here.
The historical PvP rule protects a chaotic character with five or fewer PKs from item drops on death. This does not establish protection on an NPC-caused death.
The C5 character changes explicitly discuss equipment dropped by chaotic characters with fewer than five PKs when killed by NPCs. A low PK counter is therefore not a blanket item-loss guarantee. This does not establish a drop probability or settle the exactly-five NPC case.