Ah, so now we're assuming a fighter who only took feats that deal direct damage and nothing else?
For example, if the fighter isn't a complete meathead and actually has improved disarm, than he starts with just taking his damn sword back.
Yeah, but you're missing the important point:
A Fighter20 defeating a Warrior1 who stole his gear actually requires consideration of specialized tactics.
I dunno about you, but I find that pretty bothersome.
Out of curiousity why is the fighter even taking off all his gear? I mean he's not required to. Magical gear is unaffected by non magical issues such as rotting, dirtying, and rusting. So he may as well just bathe with everything that isn't weapons and armor on and frankly may as well bathe with those too. The assumption that the norms of our universe should apply to the PF universe is rather questionable.