Risk of luggage not being on flight increases if there is shorter interval between flights. I try for non-stop and use carriers like Qantss, Cathay Pacific, British Air, or Delta. Only time luggage did not arrive was when there was transfer at LHR in way to and from Dublin. On way to Dublin, one bag missing came on next flight. On way back, both bags were not on flight to Seattle. BA paged me on arrival, explained situation, and delivered them the next day when next flight arrived.
If you need to, you could buy a set of clothes.
As, I attach two tags to each bag, with name, email, and phone contact info on one side. On other side, I put labels on with hotel or golf course destination info.