Death before level ten

[Yemin]

Today I had an asker report that upon death as a level 2 character he did not have his belongings returned with him. In the help file it says:

1. If you are relatively inexperienced, your entire corpse, including your
belongings, will be returned to your home town, with a single hit point, as
if someone had dragged you there and you had been raised from the dead, but
without the lengthy weakness and malaise that usually accompanies this
ordeal.
2. If your experience upon Faerun and in the Realms of the Dead is more
extensive, your body will remain where it fell, and you will find yourself
alive in your hometown, but without your possessions, as if you had been
resurrected. You will need to return to your corpse (as described in the
Corpses helpfile) in order to retrieve your belongings.
Note that this kindness of the gods ends abruptly when you reach level ten.

I had always assumed the first part referred to level 5 and below but I've not died before level 6 or so I think. Can anyone confirm the situation on this so help file can be ammended or the mechanic remedy to mirror it etc ?

Thanks for reading.