emm... i think ur just asking for more difficulty, lol
tho it makes perfect sense that you can just buy what you lost, but here is a clothing that might be difficult to recover easily
Dancer clothes and Sex doll clothes, these two are expensive.
Hunter clothes, you have to go to Fishtopia to get it again, its the only place.
Many unique weapons, if these are lost then you cant get again unless you Rebirth/Restart the game.