You make an interesting point, but there are several use cases to consider:
How is a naked guy going to get his stuff back? With no protection it will be nearly insta death in radiation. So unless you have a seriously stocked up pile of rad meds or spare rad suit/ rad modded armor you will never make it back to get your things.
What makes you think you can get your gear back?
A naked guy will have no chance, no matter how hard he tries.
Your assuming +200 gs is going to drop amazing loot. It drops a lot of brown, just a higher chance for better.
Don't forget losing XP each time you die, well you did and it does cap at "buried into the red" I think.
Time wasted, that horde is coming?
Maybe rad zones rot your bed roll pretty fast, so don't forget travel times. Beds might have cool down like RUST if we allow multiple beds and unclaimed bedrolls in the will decay, only claimed beds might persist.
To me I don't see any issues with it. There will be mild radiation in the entire wasteland, and heavy radiation in POIs. A naked won't have a chance.