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So long as you survive you get to keep all your items no matter who used it and who else died.
50% to 25% is the only amount you can get back in cash, 0% is the next step up which means nothing.
If you 'end session via esc menu' after dying instead of leaving via truck or having the entire session end with everyone dying, you actually 'cancel' out of losing your stuff as it does not save any progress.