Losing items due to dying to monsters is the harshest penalty one can suffer in L2. It seems that at higher levels the probability to drop items increases significantly. So, if you do not want to lose your gear, just try to be cautious enough to avoid dying. There is common belief that carrying lots of cheap Lineage2 adena in one inventory helps decrease the risk of dropping more valuable stuff. Whether this method is statistically feasible or not, consider doing it too. When attempting to do something unwarrantably risky, that is, over enchanting some item, think of replacement early. Do not go for it if you cannot take the loss.
