Killed plenty of nakeds with 100s of gold on them.
I hear stories of this all the time.
Nekkids run around like this all the time trying to play 4D chess thinking they are unsuspecting. If I see nekkids, I also kill.
Look at it this way, this game is the best proving case for universal weapon ownership for the purpose of self defense.
If I see a nekkid miner with a horse and bags I will undoubtedly kill them. Why? Because they are a walking treasure chest that cannot defend themselves.
If I see a geared miner with a horse and bags I seriously consider whether it's worth my life trying to take theirs. Being armed thus deters violence against you. Period.
In these situations I am ofc talking about 1v1 and not Zerg vs. 1, etc.