Hmmm worst thing that has happened to me on massive......erhm.... hmm... When I was Agni (This was a while ago so don't 'It's called dakkar blah blah blah') I had just Get some good gear (In my Eyes) ANd logged out Not under cover And logged back on when it was raining. When I stopped lagging and respawned it was all taken and I never got any of it back.