The GMs have been very lenient. The GMs do restore for user error. I'd imagine the vast majority are user error. Failed quest turn ins wrong npc/bad faction, accidentally deleted items, ground drops that rot and things like that they'll restore. I think items that poof in temp bags may also be included
Things I know they wont touch is if it involved Multiquest, items sold to a vendor or involved plat (such as trading your plat to the banker) those they wont process
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