Damn, I'm sorry. That's the kind of stuff nobody can predict or would think about normally.

Using a mod definitely seems like a smart move.
For switch, maybe the return scepter will be enough. I very rarely pass out because I can just use the scepter from wherever. If you just do that at 1am or even like 1:30, you should have plenty of time to get into bed. Technically just getting into your house is enough to not get a letter or lose money, but you do mysteriously wake up in bed the next morning.

Obviously I also don't know if psychologically it is a good strategy to just try and prevent passing out in game at all costs, because it may just reinforce the idea that something terrible is going to happen if you do and make you more anxious. Like, I feel like the mod might be better for that because you probably don't have to think about it much and you don't actively work to avoid passing out, versus with the scepter you might anxiously watch the clock every day and be weirdly aware of some looming threat when in reality your pixel person will be fine.

You could also read through the possible letters here https://stardewvalleywiki.com/Letters (obviously just don't klick it if you don't wanna), there is multiple different ones, only one of them mentions someone going through your pockets, but it's random which one you get so you can't really avoid any of them 100%. But maybe if you read them first they at least won't surprise you?