I know it sucks to think you’d have to go to any extra lengths to ensure your loot is safe but you should always log out naked.

  • dump all inventory in chests including gear, weapons and consumables
  • log out naked
  • wanna feel extra spicy? pull bracelet and then immediately log out, your body is gone from the world and will respawn at bed/bedroll if you have one upon log in

There are bugs present in almost every facet of gameplay and state even while logged out. The dying while logged out thing has been a problem for a long time and there can be so many reasons, some explainable too.

Unfortunately as per ToC they do not return any loss regardless of the impact aside from they very few times there’s been roll backs. They won’t rollback for just this though.