grrrrrrrr
I'm glad that those of you who have never experienced it have never had to endure it, and you've never seen any of your friends standing there, fresh-rez and naked with nothing to put on, wondering if they should quit for real. But geez there's clearly no alterior motive, like a gold sink, to the change Jeremy mentioned. Its not gold sink material at all, its trying to deal with something that is horrible when it happens.
Any fix that helps deal with this is great, even if it's a patch up job. That's how bad this bug can be when it hits.
The thousands of Fel people who are too busy in-game to read or post on these boards will no doubt be massively appreciative of any change that will help prevent them from losing their stuff this way. Just tell them "well, its part of the fix for the Insurance Bug that you can't insure an item that's on a vendor" and surely, most of them will be like "wow okay". We all know people this has happened to, if not had it happen to ourselves.
If they say they can reproduce a problem with an item that is insured by one person and then worn by another, then they surely can. If it were easy to make happen, it woulda been identified and fixed long ago. I did some testing and didn't get it to happen, but I also didn't have a second account to test with and I'd have to dual client and so on, and none of my buddies are on who could help me right now. I didn't get to test many aspects of it myself, I don't mind though, since they already have the information they need.
There may be stuff which, if they announced it all now, could be used by people to steal your stuff. Let's see what we learn after it all comes out, it's not real long to wait now. I'm sure looking forward to the next patch.
I had an insured item disappear recently. It was with a pet ball that I had recently gotten, and perhaps somebody else had insured it. I usually get my body back on my tamer but that one time I didn't. Too bad I had not been thinking to open the corpse and peek, I would have loved to see if the item was "insured" as it was lying there.