Gotta love how despite the permadeath aspect of this game being severely kneecapped many times in a very short time-span some people
still find a way to complain about how it's "so dangerous"
Give them a hand and they'll take the whole arm... I remember when all it took was 2 punches from a half decent character to get insta killed (and
lose 90+% of your stats in the process. gone.), and despite that I can name atleast 5 players I met in legacy haven that managed to go so very far in solo/duo/trio groups that they had the highest statted characters for the last few worlds of it. They got their asses beat, learnt from their mistakes, kept quiet and eventually were the ones rolling around in groups kicking ass, however infrequently they chose to participate in PvP.
The answer to your problems is very simple,
don't risk what you're unwilling to lose. If you really do have an itch to explore around and meet people/gather resources/etc, then make a quick character that you know you can replace easily if they were to get attacked/mugged. What you did is basically the equivalent of going for a walk in a dark alley openly holding wads of cash in your hands, and then being surprised when you got your ass beat, and demanding everything should change to adjust to
your way of doing things, so that
you can be safer.
The problem that comes from the developers listening to every "this game is too harsh" complaint and holding the hands of players (as they have more or less done thus far IMO), and likely the source of frustration for most veteran players when they see posts like this is that it tends to result in updates that seemingly contradict what the game was (originally) about, and is simply unecessary anyway when you realize the myriad of options you and every other player has, and always have had, at their disposal to avoid getting their asses beat this badly, if only they spent a few minutes actually trying to figure it out instead of making pretty and convincing forum posts.