I’ve been on the dis for...awhile. And I’ve never ever heard of the Hyatt missing someone’s luggage. You can wait until thethe fw oicked it up if you like. You could buy a tracker to stick on the bags and track it by gps.
Honestly it’s the part where the baggage handlers at the port have it and get it onto the ship that worries me most. And still I’ve only heard of two instances where bags have gone in the water during that process. And I’m not sure that was on Disney.
I carry my essentials in carryon (swimsuits and coverup, dressup clothes, jewelry and makeup, flip flops and one pair of dress shoes, and sunscreen and sunglasses and kindle/camera/phone/chargers), and any big luggage that might take an extra journey won’t be missed TOO much.