Several Ways of Approaching Quests
Making a group and doing the quest together.
Just dying recently and having nothing to lose.
Storing all your valuables in your deposit box so you have nothing to lose.
Doing quests late at night to avoid running into people.
Full inventory of brew and the attempt to tank if you do run into a pker, though if you don't have high magic or defense, barrages will make you eat through your entire brews in 5 minutes.