They could include that world-building without a tedious mechanic, it's a system that punishes you for using your best gear.
Not even Dark Souls (the series that clearly inspired this mechanic) went down that route.
I just don't think it's a big deal tbh.
You don't lose your weapons, level, entire moveset and inventory (because they're kept by the pods). Spare Chips are a-plenty, and you only lose the ones you had equipped (you can have 3 configurations set-up). And you get everything back by running to your old body - or reloading.
But I fully admit I don't mind some inconveniences in gameplay if I think they serve a narration/immersion purpose.
Solution: stay alive, bruh.
Also, this