Without listing my credentials i can assure you that I understand how computers work. Intimately. This game happens to save at regular intervals, and when you sleep. It also warns you before it saves.

That said, the only time a world save file or character file is accessed is when saving the game, or when loading the game. Neither of which happen after you die.

Been playing the game since release. Never had a problem. But sure, never ever restart your computer if you die. (unless you don't feel like doing a corpse retrieval)