I have not experienced this as much as the original poster. I do think the best solution is to have a timer such as the unconcious timer for 1 minute (complete vulnerability) until logout, and alt-f4 = 2 minute vulnerability penalty. This does not require as much script changing as some of the other suggestions in this thread. IMO dying, losing your shit, starting from the beginning, is one of the best parts of the game (collecting and scavenging) -- so stop being a horder and a wimp, who knows maybe you can defeat the odds.