To be honest people can already steal from others as they are bleeding out with just 1 point in sleight of hand - the DC to beat changes from 30 to 0 when someone is bleeding out. All Spot does is tell you what goes missing.
If someone is bleeding out unconscious, there's no reason that you'd need to randomly acquire a single item; You'd be able to take your pick. I'm pretty sure Pickpocket has a weight limit and randomizes what you receive.
Inventory stripping en masse in general is just absolutely maliciously problematic. When your own inventory has been torn up and redumped into your inventory for the 20th time you'll still prefer if other people had healing items rather than trash your inventory looking for them.
I'm not sure I'd so much as make it inventory dumping into a bag, as giving access to see another player's inventory if I had my pick of it. That way things aren't being redistributed into a back and repacked into your inventory, but rather a window to access it similar to a party member in vanilla. I think this would be worth it as well, to be implemented by Guard PCs when searching packs to keep everyone involved honest.
I don't want people touching my stuff. I'd consider it a PvP action, even if it were an ally.
The distinction is that it isn't your stuff, it's your character's stuff. If they consider it a hostile action, if they're awake to understand it happened, then they could perform recourse. I'm not sure what your character is supposed to be able to gleam, vulnerable, unconscious, bleeding to death on the ground. The idea that their concerns over minor items is bigger than their life is a more problematic view than a few misplaced inventory items.
If a monster was the one that bled me out, I can't opt out to the pvp action of my allies looting me after the fact. It conflicts with the pvp rules.
Not neccessarily, and for example... Voracious is a PvP opt-in action, and can be performed upon a corpse. It only becomes a PvP action AFAIK if you badly impair the corpse in the process. It doesn't require your consent. Similarly speaking, thieving from someone isn't a PvP action, either. You can steal from whoever you please, by doing the option, you are opting in to PvP. You are not performing PvP. In-fact, the opt-out of PvP is to give them your wealth, or acquiesce to their demands. If you refuse, then you are opting in to PvP. If they steal from you, they've opted into PvP. The action itself is not PvP. Therefore, accessing your inventory would not be a PvP action, but that character opting into PvP themselves.
