Oops meant to say too Air France and Singapore Airlines have wonderful policies re delayed, lost, damaged luggage goods and are a pleasure to deal with they don't treat their customers like criminals which is important when you are stressed and jetlagged have lost your belongings and face a mountain of burreacracy to deal with.
air france are the only airline to have lost our luggage for any major amount of time (four days) and they certainly were no pleasure to deal with. they acted as if it was a great amount of trouble for them to try to find it, and since we were going sailing it meant we had to delay our start by four days and miss a major part of our itinerary. when some of the bags eventually arrived they denied all knowledge of them, but we found them standing unattended in a random corner of the baggage hall

having said that, i don't worry that much about checking things in, i haven't had anything stolen yet. my brother had his suitcase opened once because he left a lighter in it

and there was a note saying they took it, but nothing else was missing. i just flew from heathrow t5 so i packed pretty much everything into my carry-on, and then checked in a suitcase for less urgent things, but to my surprise it arrived fine, and it came back fine too. in general luggage
does arrive at the same time as you.
everything i own is covered under my home contents insurance anywhere in the world, which is always reassuring.