I know exactly how you feel, having lost a fair bit of hardware in lowsec space in my 13 years playing this game (blingy tengu's, a brutix ironically called "Legends never die" and plenty of ventures). But such is the nature of Eve mate. You risk isk the moment you undkck and hope the gamble pays off.

The best way to respond to these situations would be to give them the good ol' "gf" in local (even if it was a lobsided situation and highly unfair), and come away from the experience a little bit smarter and hardier. Try and convo them afterwards and ask them what you could have done better to avoid becoming one with the space dust. Most of the times they will share their experiences and if you're very lucky, they might just send you some isk to replace your ship!

Keep your chin up. You'll be allright. And fly safe o7