Taking the hard reset option is a poor choice of moves, you can bring up task manager before embarking on your quest and go into Performance, right click to bring up the Suspend option on Valheim so you only have to click the OK button if you are that paranoid, the best option by far is to simply keep an up to date copy of the game file in the same folder, it's small, quick and very light and super easy to overwrite.
if windows happens to be updating while you reset or turn off power you can corrupt the system no problem.
I have 2600 days in on my main server and have never failed to recover a body, can be tricky some times, but it is worth remembering that you can never lose what you have, if it proves too tricky simply employ developer mode, fly over there in God mode and take whats yours, I've never had to resort to it but it's there as an option