Had the exact same problem today. I playied with a friend and we switched servers about 3 times in 8 or 9 hours. On my last switch i respawned on the beach with a new char. All servers where on regular and had the same version, i double checked that. But i didn't use or a had a spraycan with me.

EDIT: I disconnected inside a house to switch servers, maybe this was involved?

Oh Yes, i had a beret too! Also the same loading error for the beret appeared minutes after login.

Hi, i found a beret again and i checked this issue. i dumped all my gear and just had the beret in my inventory, on the next login i'm a new char on the beach, so the beret is definitely a stopper.