Just to add another possibility, we recently did a pre-cruise land package in Israel. On our last tour day/embarkation day, our luggage was collected outside our hotel rooms and taken to the lobby. We then had to find and collect our luggage and take it to our bus. When we arrived at the port, we reclaimed our luggage, took it to the x-ray machine and then passed it to a porter who took it down the dock to the ship. A bit of a hassle but at least we knew our luggage was with us.