Defeat costs the haul
From the Galespun artbook

Q29 · Chapter 04 · Investment & failure

Defeat costs the haul

What should happen to newly collected cargo when the party loses?

Selected direction

The direction

On defeat, lose the newly collected, unextracted dungeon haul. A possible later exception is an “insurance” mechanic that protects one chosen item from death; that protected slot/item could itself be rare, crafted or something worth chasing. The baseline should remain harsh enough that extraction matters.

Recorded as: Selected baseline + option

The original question’s prompt

Lose it all, keep a chosen secure portion, keep common goods, or another rule?

Examples in a prompt are not decisions unless the answer chooses them.

Still to decide in this chapter

Exact modifier combinations, a possible one-item insurance mechanic, rare emergency extraction and Cozy/Brave reward ratios still need tuning.

Read “Risk & returning” in the artbook

In this chapter