I believe that Bethesda have ruled out NPCs robbing the PC's stuff from houses, because they say that players often mistake things like that for bugs.
However, if you did it your way, with an explicit message making it clear that it's something's missing, it would be clear that it wasn't a bug.
If it was a one-off, and you got to carry out a quest-like investigation to retrieve your stolen property, it could work. Also, IMHO you'd want to limit it to only a few (or maybe just one) big-ticket things, rather than losing lots of stuff.
It would be annoying if your possessions were constantly being pick-pocketed, house being broken into and random items stolen, etc. But as a focussed, one-off event, I like it.
Also, since it would be a mod, players who don't think they'd like it would simply not download it. So, I think you've got a good mod idea here.
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