Do you have the Siptah dlc? If so, start one there and check it. If not, I don’t know of any way where you don’t lose your stuff on ps5. Did you changed any configuration on the admin panel? You can always reset settings to default to see what happens, if anything.
Maybe you can export your data to a usb drive, restart and check. Then you would have to retrieve your data again. I never did that so I’m not sure it works.