Should thieves break into your house and steal your loot?
imo it would add a lot more to immersion.
Yes, along with a [censored] headache, followed by constant tedious "I need to [censored] lock my house and every belonging all the time and never have anything on display."
There's "immurshun" and then there's a [censored] pain in the ass. This idea is the latter, especially because nearly everyone stores their artifacts, named, and sentimental items at a home.
Immersion stops being important when it starts making gameplay suffer.
The game randomly deciding to get rid of the loot you've found? Bad gameplay.
This 1000 times.