This actually happened to me once (minus the skull). I was trying to open that stupid chest in the Bedabin outpost. It poisoned me, and I realised that I didn't have antipot or food. Instead of trying to pickpocket one from the guys right there, I tele'd to Lumby to used the chest. (It was the only tele runes I had on me.) Then ROL took me to Fally. I died on my way to the bank, and didn't get back in time to get my stuff from the noobs. Fortunately, without the skull, I got to keep d chain, legs, and square. But I lost d long, glory, d med, rune boots, and black gloves. I was so angry. Then I was thinking back on it about 10 minutes later and realised I could have used the healing prayer. It was pretty new at that point, so I didn't even think about it. Yeah, you get over it. All of it was under 2M (even though med was over a mil and rune boots were 300k at that time), so I recovered pretty fast.