I am still relatively new to the game I haven't done or experienced everything it has to offer.
But while playing on build 41 I had a huge bug that just ruined the game on my longest living character (16 days) I had a little glitch after killing some bandits from a mod. I take one of there military vests I try to put it on but it doesn't work, I think "eh I'll just restart the game". I do exactly that, I restart the game and boom I am back on the starter house on minute 1.