Sincere apologies. I know it sucks, but it's an uncommon event. A less-than-adequate work around if you want to be extra-certain it will not happen to you is to 'drop all' in a save room before logging out. I've never heard of it happening within a save room, only from save on body. Someone can correct me if they've had it happen in a room.
From what I understand, though, "save on body" is accomplished through a save room. When you quit, you drop anything unworn/wielded, you are transported to a personal save room, drop all and exit the system. On login, you get all, equip, and are transported to the room you typed 'quit' in.
So, a question is whether random items ever show up in regular save rooms. Some rooms are so cluttered, it's hard to tell.
