Same here.
Last night I was fully geared and when I logged in, this morning, into the server I have played last night (Public),
all my gear dispawned except my a AK that was in my hands and a M4 that was on my back but all his accessorize dispawned (including the basic ones) and left me standing in boxers in the middle of the forest.
I have tried logging into other public servers but its the same although when you exit the game and relaunch it you see your character fully geared like it was last night but again, when you connect to server the bug occurs and you lose everything.

Yes, keeps happening and in fact I don't think there is an issue with my pc but with the game and nvidia drivers or something like that...
Do you have any more solutions?

Well I have updated all my drivers and reverted the BIOS settings to default but still it keeps happening.

My processor was OC but about a month ago I reverted the settings so I don't think that this is what causes the problem...
Anyway I will try updating all drivers...
Any more solutions will be great :)

Thank you for your answer.
I have attached a rar file that includes the files from AppData and the DxDiag file.