the LAST thing you do is set your spawn point. Checklist..

-main home that is safe to spawn in naked. it has rest bonus 10 or more, spare gear and food, and is defended from enemy well enough; its probably in the meadows or on an island that nothing can get to etc. It probably has a moat or is lofted up high.
-chest with spare gear & food at new site
-portal to safe area (main home/hub, usually)
-materials for a boat if near water?
ok, now you can make a bed and spawn here. Worst case, you have several options to get to your main home or recover.

we have all done it. Oops and move on