Those of us who are veterans of Evernight are familiar with the "underwear" bug from a year or two ago. This is where your character loading gets stuck, you crash your client (e.g. with alt-f4), and when you go back to that character, they're wearing nothing but their underwear.
Well, today this happened to me twice on Gladden, and from world chat, it appears it's happening to a lot of other folks too. I'll go ahead and submit a ticket, but there's something folks should know about the "underwear" bug: it often unequips items. Usually it's a bridle, but I've seen ranged weapons get unequipped too. It's best to make it a practice to check any "underwear" character to verify that the right gear is equipped.
Also, your morale may be very low when you log in. Hopefully, you're not in a hostile area...
I make sure that my underwear is always clean, but I certainly don't want to discover, to my horror and surprise, that I'm facing down Hobgoblins in Gundabad, in the altogether. (I just hate it when Hobgoblins laugh at me.)