I’ve done 10+ cruises, from many different ports.
In each embarkation port I am required to hand over my non carry on luggage to a person in a vest standing on a curb outside the cruise line check in terminal. There are cruise line employees that say hello and show me the way to the entrance. How the heck am I expected to know who the guy in the vest is employed by?
it seems very much at that point I am starting my experience with the cruise line.
it is implied that I am going to be taken care of by the cruise line. They have given me no choice as to how to get my luggage onto the ship other than having handed it over, with tip!
in my opinion that implies that the cruise line will be taking care of it for me.
if I am given another option, or given different information, I may make another choice. but that Is not the case.
the OP was just doing what was expected and required of him. In my opinion the cruise line has responsibilities to ensure their systems are in the best interest of their passengers. If the luggage is compromised, they need to make it right.