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So, I higly recomend TimeSpeed, it's the only way that I could return to play this game.
If you pass out you don't lose any item, ever, and the fine is capped at 1000 gold.
You only lose items and a lot of gold if you run out of health (aka die)
So when I and many others say "take your time", this is what we mean. Efficient players are able to accomplish their personal goals with as little days spent as possible, while others may just want to accomplish those same tasks at their own pace. Also, if a day doesn't go well for you for any reason, you can restart a day simply by exiting the game and reloading your save file.
I usually reach game completion in the middle of the 3rd year. Since 1.6 the lost gold is capped at 1,000 and the 3 times lost for dying will not be things you are wearing or weapons, so after the 1st month, I generally don't care if I accidentally get those penalties because I earn more than 1,000 in a day and the items are generally no big deal.
In the end, you do you, but I feel like you're just "hiding" the actual problem from yourself by having the mod to take care of the "worst" situations that you run into. Maybe you should just work on developing a mindset that takes a more relaxed approach to the game in general.