I explore 99% of the time when playing ED.
I have NO issues what so ever, with losing my data if my ship gets destroyed.
As far as I'm aware a ship full of cargo, a mining ship, a bounty hunter with bounties, etc,etc...these all lose their 'gains' if destroyed. Why should explorers be different?
Ok, so I may travel for months without the opportunity of offloading my data at a station, a bounty hunter could also go months without handing in bounties - unlikely, but possible.
That's the risk I take when I go out exploring.
Now if FD were to introduce an insurance cost that protects the costs of cargo if destroyed, leaving out the same protection against bounties or exploration data, then that would be different.