Haven't been able to reproduce yet.
The server had a sudden crash. When I logged back in, I had a message, "You are unconscious" with two green bars below stretching off the right side of the screen. I had no skills or stats, and my gauges were all empty.
I was able to move around, engage in combat, have fights, etc. Basically, I was a fully functional character. I had not died or passed out before the crash.