In case you fly inbound, it's your problem.

Recently I returned in AMS from St. Maarten on Wednesday and had to fly to Houston on Saturday (!). All luggage (incl WBC excl FA) was offloaded as they had to reduce the weight with 4000Kg in order to take off. My luggage was delivered at home on Saturday evening, while I was already on my way to Houston. KLM (quote): "Bad luck", although my luggage arrived in AMS on Friday and I let them know about my trip to Houston the next day.

I typically travel with carry-on luggage (except when going on holidays ). That's my primary mitigation strategy.