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Give 20 seconds between the user disconnecting and character itself disconnecting.
I'm not really sure how to phrase it better, but okay.
As a Blowtorch user it crashes occasionally especially if it has to handle large amounts of output in one burst. The annoying thing is how my character's defenses are all gone when I log back in 10 seconds later. If I recall correctly, runes on me also fade away.
I think 20 seconds would be a better option - during this time you are not attackable unless the person has performed an aggressive act on you in the last minute. You are put in a transition state between disconnect and logout, where you keep your defenses and everything else.
Besides, I'm not sure how the combat system works here but I'm fairly sure that with the current short window between user disconnect and character disconnect, some players can escape PK deaths this way?