RE: The Respawn bug.
This is also happening to me. In addition to that, it happens when you quit out normally. If this is the first time with that character in that world, then when you re-load the game, it will spawn you as a new character (same starting location, equipment, and skills) and anything you were carrying will be lost.
WORKAROUND: When you spawn in, immediately quit back to the menu and continue again. This should prevent the issue from happening and you losing a bunch of stuff like I did.
Zev