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I tried this a few times also... Basically what i found was that the emu isn't saving as often as you'd like it to.. IE: when you zone, die, trade, etc.
What i did was to summon all my equipment then camp out quick and come back. By doing that i forced a save and i never had the problem again.
So, now every time i get new stuff or do something i wouldn't want "deleted" i do a quick camp or something else to enforce a save of the character.
Hope this helps you... if not i don't know what else can be done about it =/
Good luck.
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