I fly a decent amount. Haven’t ever lost luggage. It got delayed once and I had to attend a business meeting in Jeans and a T-shirt.
I’m an hour away and really don’t want to wake up at 3:30am.
I’ve given up on checking luggage on personal trips (don’t have anything that important).
But business travel, bane of my existence, keeps me at their mercy through the hanging bag (hostage).
Again, good luck.