Simon, thanks for Insurance input. Pretty much the same here in the US, and certainly you can make the choice of 'leave it at home and buy postcards' or 'take the gear so you can use it like it was intended'. I take my gear.
Must confess that in a certain N African country, after just one day in the Medina, I locked 90% of my gear in the hotel security office just so I could relax!!! Subsequently, I was the guy running around with an M3 and 35mm lens only, with black electrical tape over the engraved brand names etc. Looked like the Stealth bomber. Heh heh.
Incidentally, as you are in AUS, one of the Taxi scams I mentioned above happened to a Canadian friend in Sydney between the airport and a hotel at the Quay.
Doron: Again, really sorry for your loss. And I love your words "intentional, creative photography". Truly, setting up a LF or MF camera, thinking the task through, and pressing that shutter button slowly and deliberately enables you to live in the moment of that special creative process. I don't get that feeling at 5fps !!. Cheers.