I agree, the idea of surrendering sounds cool since if you would die you would lose everything. Maybe if you surrender, the person could take maybe 1 thing or something instead of you losing everything.
Another little mini issue is when I am putting ammo in the stash at the shelter, sometimes the icon won't go away but, when I go into an encounter, the ammo was put in the stash and it confuses me sometimes. Like I said, just a mini issue but, I just wanted to bring light to it.