I had to remove my light jacket and it was weighed along with my pack. Don’t know if this was standard practice or just a random check...but bottom line be prepared before you travel for the unexpected. You might get by wearing a vest with a bunch of gear hanging out...but then you might not. What would be your plan if they don’t allow all your gear on board?
I guess ... if you choose to live it ... life comes without total warranties or guarantees.
Insure as best you can. Take care as far as you are able. Don't set out carrying things you know you will not need. Be prepared, if absolutely necessary, to stow some camera gear in the hold. Have a plan for how you will keep the minimal kit that is the most important close by you.
Accept that, if you lose it, it was only 'stuff'.