I like the idea of being able to loot one item that the player was not wearing. So all gear on the player is safe but everything in inventory/bags that is not no drop is up for grabs.
This could make it risky for people to bring tons of gear to switch out all the time. It would also make it so players could not buy gems to keep all their platinum safe when leveling. Ingredients for casting spells wouldn't be safe. If you had a manastone for instance, you would actually have to have to equip it to keep it safe, therefore sacrificing whatever else you had in primary/secondary unless it was a no drop.
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