My bro I'm not sure if you know already but ped damage reloaded mod has those exact file mechanics you just mentioned as well as added features like pads getting up and running away
yo bro there's this mod https://www.nexusmods.com/reddeadredemption2/mods/5782?tab=files Permanent Death the 2nd download file wipe inventory makes it so when u die your entire inventory gets wiped there's also https://www.nexusmods.com/reddeadredemption2/mods/6258 Rededrunk's Hunted which has options when u die to remove weapons/ammo
yo bro there's this mod https://www.nexusmods.com/reddeadredemption2/mods/5782?tab=files Permanent Death the 2nd download file wipe inventory makes it so when u die your entire inventory gets wiped there's also https://www.nexusmods.com/reddeadredemption2/mods/6258 Rededrunk's Hunted which has options when u die to remove weapons/ammo