Flying with cameras

I've recently been using a Crumpler bag which I can get my camera body,
three lenses and a small laptop into as well as personal items. It travels
with me as hand baggage. I've never had a problem with size or weight.

Let's be pessimistic for a moment and assume that the security situation
worsens and we're restricted in the way that Canada/US flights have been
recently (e.g. no hand baggage to all intents and purposes). What to do
with the camera then?

Well, I could leave it behind and take a P and S. Not ideal.

How about buying a Pelli type case to protect it? Question then is do I
check it in or send it ahead by courier? And, what to do about insurance -
I guess I'd have to go to a broker because I suspect standard insurance
would not be sufficient.

Has anyone got and suggestions or experiences to share?