lich phylactery

[motoko's ghost]

3) if my phylactery is destroyed (and I am not killed) then can I build a new one? if so, do I have to pay that unbelievable sum again, or is it free?

I can't find rules for any of this stuff anyplace, I am reasonably certain that they do not exist. if I am wrong, I'd love to look them up.

I'd also love not to biodegrade, but that's either fluff or an eternal wand of gentle repose.

Dont know, but if someone's strong enough to destroy your phylactery do you really have the time to take 4 months to make a new one?
Your soul fragment has either returned to you(yes) or gone onto the afterlife(no)