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Honestly I just disabled steam cloud and save my game as often as possible. I also manually save the entire "profile collections" folder (basically the save game folder) very often and have multiple backups. I have not had any issues yet, and I'm hoping I never do.
I just loaded into the game and my stuff was gone. But it was only the inventory and my skill points, not my loot placed in storage.
Lesson learned on my part: always save before exiting, and keep spare loot in storage just in case.
Sadly I did have to restart my character since my skillpoints were all reset to zero but my character was level 13 and I couldn't get them back. Thankfully this game is still in early access without much content. If this happened on a 1000+ hour MMO I'd be legitimately mad.