Checked luggage is lost luggage, in my experience. I think I've only checked maybe two or three bags in the past 20 years (after two lost-luggage incidents prompted me to switch to a carry-on-only packing regimen), and then only because I needed to transport liquids in excess of the in-cabin allowance.
I also like to leave the airport after my plane arrives, not stand around a conveyor belt for some unguessable amount of time.
But I get your frustration; I'm the kind of person who barely breaks stride out of the aisle and into my row as I sling my bag up into the bin. It makes me want to scream when someone is standing there in the aisle for 30+ seconds, holding up the boarding process.
Then again, the airlines are to blame as well, most of them having terribly inefficient boarding processes.