Also, one rule I follow is "don't bring anything I would hate to lose". Cash, electronics, camera, etc...

Obviously, you need your passport and travel docs. Can't do much about that, but as far as money and personal items, I don't bring anything I'd hate to lose.

I bring an ipod to use facebook messenger. The last night of my trip last April I accidentally lost the ipod in a taxi. It was disappointing, but nothing I can't live without. It was locked and I could disable it remotely, so ultimately it wasn't a huge loss- there are worse things in life. Luckily, the taxi man was amazing and on his drive by my place he stopped me and returned it to me.

I also lost a water bottle that I paid too much for (hydroflask).

Someone I know dropped their camera in the water and it was ruined.

Loss happens on accident- outside the realm of theft.

So, I just never bring anything I can't live without.