FWIW,I've had at least a thousand flights over the last 15 years with at least a bag (and many times two) checked and have had one delayed until the next flight about 5 times, but none ever lost.
If at all possible I use carry on only.
99% of that has been within the US, and about 2/3rds of that up and down the Western US.
> If at all possible I use carry on only.
I can work nearly anywhere thanks to WFH, but that also means I have a lot of hardware to drag along many times, too.