Being patronizing (calling someone sweetie) is rude and uncalled for.
No point in continuing the discussion, as you are just plain wrong. I think you don't understand the issue anyway. If you miss a connection, it will almost always be the airline's fault and either way, your bag will be sent with you on another flight or without you on another flight to your destination. I definitely don't understand your last sentence. How can a bag be forwarded beyond the final destination?
I'm sorry you feel that I was patronizing you. I was merely trying to be polite; tone can be difficult to convey in text. I never said that missing a connection wouldn't be the airline's fault, nor did I say that an airline (including my employer) wouldn't send a bag on from a missed connection. I was pointing out that there are situations where the airline might not be at fault for a delayed bag, and that if that were the case, the bag might not be sent to the guest at their home/hotel. It would be the guest's responsibility to retrieve the bag from the airport.
With regards to forwarding a bag beyond the final destination this
could happen in the case of the OP, were she to continue on in her travels, a bag
could be forwarded to a new city if she will no longer be in her arrival city when the bag is located. Again, as I previously stated, this would greatly depend on the situation and the airline, and there is no exact answer for this kind of hypothetical situation.
But to get back on topic, OP, as others have said... cross packing or carrying on are your best insurance against lost luggage. If you do check your bags, the best way to ensure they make it to their destination is to keep the weight manageable, and make sure there are no random things dangling from your bag (ribbons, oversized luggage tags, straps). Bag belts like to eat loose, dangly things... so the cute ribbons that everyone ties on their bags to identify them are the biggest culprit of delaying bags. Keep luggage tags on the small side, and fasten them tightly to the top handle.