I thought you only had to risk the amount not lose it. So if you had four items and the forth that would be lost is over 76k then it will work, even if you protect item over it because it was risked.
It's a big difference in the cost to OP if they have to LOSE 76k each time or lose basically nothing and just risk 76k.
You don't keep three items in +1 worlds. You keep one, hence the +1
You need to have 75,001 coins for a 76k. People term it "76k" because its more straightforward for people to understand than 75.001k
Just; take food with you.. drink pots
Let your partner do the same thing..
dont let the fight take like 10 sec but more like.. 4 minutes
(like a normal fight) and u will get better loot.