So you're saying that if I hit a person with a ranged touch attack, meaning that the bright green ray leaps from my fingers and hits Joe Player in the armor, and he fails his save, his body gets disintegrated, leaving his clothing, weapons, scrolls, wands, rings, gauntlets, boots, amulets, and the ARMOR THE BEAM ACTUALLY STRUCK behind?
No.
The spell Plane Shift says it transports people, but it doesn't say anything about their equipment. Does that mean everyone ends up naked in Acheron?
With fireballs and other area-damage spells, you don't calculate damage and do saves for all the items (except on a 1) because the average player has enough of that stuff that it's too complex to be worth the realism. With a disintegrate, it's all or nothing. If you fail your save, you and all your equipment, except possibly some powerful artifact that's immune or some plot-based device the DM really doesn't want out of the picture, goes bye-bye.
There will be no little empty piles of clothes left. That's silly. Especially when the clothes are what the ranged touch technically hit anyway.
-Tacky