Nope (but I haven't created any throwaway characters, except, sort of, the ones for the runaway slave start, where you lose 20 or so before you actually get away alive with one).
I don't think I've lost any characters to robbers, because they usually beat the crap out of your character and then dump it. Wolves, yes, Njerps, yes, most, bear I'm not sure. However, I never attack bears or wolves as they're too dangerous, and I'm careful with Njerps (always losing eventually, though), returning home to gear up before engaging them (unless it's a random encounter, in which case I try to retreat). Also, I don't engage Njerps in spruce forests.