NullReferenceException: Object reference not set to an instance of an object
at Oxide.Plugins.RestoreUponDeath+RestoreData.CreateItem (Oxide.Plugins.RestoreUponDeath+ItemData itemData) [0x0001e] in <cb75bdd121b84c9d855b6b21fd628fa9>:0
at Oxide.Plugins.RestoreUponDeath+RestoreData.RestoreItems (BasePlayer player, Oxide.Plugins.RestoreUponDeath+ItemData[] itemData, Oxide.Plugins.RestoreUponDeath+ContainerType containerType) [0x00041] in <cb75bdd121b84c9d855b6b21fd628fa9>:0
at Oxide.Plugins.RestoreUponDeath+RestoreData.RestoreAllItems (BasePlayer player, Oxide.Plugins.RestoreUponDeath+RestoreData+PlayerData playerData) [0x00024] in <cb75bdd121b84c9d855b6b21fd628fa9>:0
at Oxide.Plugins.RestoreUponDeath+RestoreData.RestorePlayer (BasePlayer player) [0x0002a] in <cb75bdd121b84c9d855b6b21fd628fa9>:0
at Oxide.Plugins.RestoreUponDeath.TryRestorePlayer (BasePlayer player) [0x0006c] in <cb75bdd121b84c9d855b6b21fd628fa9>:0
at Oxide.Plugins.RestoreUponDeath+<TryRestorePlayer>c__AnonStorey0.<>m__0 () [0x00000] in <cb75bdd121b84c9d855b6b21fd628fa9>:0
at InvokeHandlerBase`1[T].DoTick () [0x00109] in <88e3d05b77004d2a929435ae08b6c2c4>:0
at InvokeHandlerBase`1[T].LateUpdate () [0x0000c] in <88e3d05b77004d2a929435ae08b6c2c4>:0

(Filename: <cb75bdd121b84c9d855b6b21fd628fa9> Line: 0)

I suspect they might have had a car key in their inv when the wipe occurred and everytime they die they lose most everything in their inv.  Ive disabled the plugin and had them die and respawn a few times but then after re-enabling the plugin its back to doing this...

Anyone have any suggestions?

Can you share the data file contents for that user? In oxide/data/restoreupondeath_data.json, look for their Steam ID, and copy that section.

I found the ID for car.key (946662961) was the issue and removing the entry in the json did solve the problem. Also found 3 other users with one too.

I see, that's because the car key was removed from the game when they acced car code locks. I've submitted a patch for k1lly0u to review and merge which gracefully skips invalid items rather than throwing an error which was interrupting the inventory restoration.