There is a workaround; some call it cheating, but if it is a make or break thing for you, who cares? Do a google search for valheim console commands - the fandom wiki has a good write up on it. What you want to do is, when you die and drop stuff you absolutely have to have, go into the console and enable god mode. Then just walk in and get your stuff, just remember to turn off god mode (and other special modes you need for god mode) before resuming normal play.

Now with multiplayer it is a bit more complicated because of the server, you probably need a mod for that, but maybe someone knows how to do it without.

GLHF