[Cainehill]

I wouldn't go death 5 on something that didn't start with it, no. Unless you have a long range plan for high-death summonings / globals, D3 or D4 would be fine (especially since the naga can easily get +2 death). Similarly, N5 might be a bit too expensive, considering that Construction-2 and 10 nature gems gets you N5 for Mother Oak / Gift of Health / etc. Or are you switching to the green naga? The golden naga I'd go F4 or F5 and lower the nature a bit. (And I wouldn't take the green, because then heat-3 may cause problems with fatigue - cold with either would be suicidal.)