>the aftermath was so painful that they basically refuse to check luggage ever again.

I know this is why people don't check luggage, but knowing the possibility exists makes it possible to plan around. I don't often fly with more than a backpack, but when I do I always check.

Nothing I don't mind losing forever, nothing that can't be temporarily replaced. If bag gets delayed only have the airline deliver somewhere staffed to receive a package (like an office/hotel) and with plenty of time for the delivery to be made, or get it from the baggage office on the way out.