Of course if you fly UA then you s/PHL/ORD/g, if DL then it's s/PHL/ATL/g etc...
UA still owes me for bags that were stolen 10+ years ago. US has yet to permanently lose anything. And I fly through PHL
a lot.
Rule #1 has always been
never trust an airline with the next days clothes.
An important corollary to rule #1 is
never, ever, put your car keys in a checked bag!
In the days before e-tickets it used to be important to never put your return ticket in said checked bag but that hasn't been a consideration for a long, long time now