> I'd have to have something astronomically valuable or personally significant ...
Precisely what's described in TFA.
"A presidential platinum Rolex watch worth $64k (sold for $32k)"
"A 5.8-carat diamond ring appraised for $46k (sold for $23k)"
Or, more poignantly (but perhaps less factually specific) from the intro:
"A few days later, a retired mechanic named Charlie buys your grandfather’s watch for $150 ... and ... a nurse from Florida becomes the proud new owner of the scarf your mum knitted you for Christmas."
The first couple may be something you'd overlook if $-reimbursed by insurance, but I could imagine circumstances where the last couple of examples would inspire a ceaseless search.