I'm not naked tho, all my item and jewel are still there, just my gold. Funny thing is the amount i lost is the exact amount that i bought from forumer here 

Nay only once and twice and the rest you'll be like:
a) wtf!
b) damm
c) haiz
d) ...
e)
f)
g)

Remember, if you die, don't die near by checkpoint / teleport place. If not u revive back and got rape over and over again. 

I just reached hell mode yesterday also, and i am holding the same sentiment as you. Those elite packs and special monster is just plain crazy. Met a vortex jailer and fire chain yesterday, not very pretty when it Vortex you, then jail you and finally the fire chain run around you, you see your HP going down and can do nothing about it. 5 seconds later and it is face flat on the dirt. 

Damn fun, the AI actually knows how to immobilize you and do maximum damage. 

There is a cheap trick to Diablo in nightmare if using Wizard, not sure if it is there for Hell and Inferno. You can actually trick the AI to move between left and right on top of those 2 horn like thing forever and make the fight super easy. LOL!