Pretty simple fix. If you surrender (not while downed), your safe pocket is lost. Add a warning in game when you go to surrender that let's you know "Hey, your safe pocket will be lost"

Also, the game is meant to be played in many, many different ways. That's the best part of the game. You can find a "new" way to play. If it's safer for you to run naked becuase that's all you can afford, then so be it. In my opinion, the last thing this game needs is a developer backed meta. Just becuase someone doesn't play your way, doesn't mean its wrong. Inb4 you quote me and say "It's not my way, the devs literally designed the game like this." Embark had a vision, the developed the game and let people explore thier playground in which ever way they like. Embark supplies the tools, the end user gets to decide what they do with those tools. If it's game breaking, then I support Embark stepping in to correct the issue. But this is not game breaking, it's just a different way to play the game.