two things come to mind.  The first was five or six bod books all full.  Must have forgotten to lock em down.  GONE.  Then another time i was resizing my house and didnt realize that when u drop it all the chests and everhting inside droped to the ground.  I couldnt replace a house cause all the *bleep* was in the way so i start moving stuff out of the was and along comes a red pk and kills me.  withing minutes his whole zerg guild is looting all my stuff from my chests and all i can do is watch as a ghost.  Lost a ton of stuff.  But oh well, live and learn.