i carefully TT day to day and it has never been a problem! i'm not scared to do it because i make sure that no one is moving before i TT to the next day. people who have this problem usually TT more than 2 days. sorry about your lost villager though, i'm sure you could cycle her back!
I still tt after I recently lost O'hare, the first dreamie I'd gotten. I felt so guilty for the person who gave him to me, as they gave him to me for free and I carelessly lost him.
Tting is addictive so I continue, and I haven't lost anyone else and I'm kinda scared.