Escape From Duckov

It's less than 20€, fun, optimised, low stakes and has a death runback mechanic where you don't directly lose your loot/equipment, even over multiple runs. (unless you die twice or only loot a part of it and leave)

The beauty of Duckov is not how well it does anything in particular, but how incredibly solid its foundations and core gameplay is, which coupled with its incredibly dense and well paced content, it means it will keep you thoroughly engaged as you discover new areas, fight new enemies, try new weapons and look for the next tchochke you need to improve your base.

The game is quite colorful and pretty, almost reminiscent of the Zelda remakes for the Switch, and, for a game in a genre that hypes up being hard and unforgiving, it is actually quite easy... at first.

A story that is interesting, and quests that mimic the goofy nature of some of Tarkovs while still feeling unique enough that you aren't doing the same things over and over again.

Give it a try for a great - more arcade - approach of the genre that is very accessible without hours of reading/knowledge and no PVP sweats or hackers.

I could see Co-Op working quite well on this, apparently there is a mod on the workshop, but I'd rather see if it comes in an official release.