I've cruised with RC in the past and have never had a long wait with the bags although I do remember having to lug the bags up and down a few escalators. Pretty precarious stuff!
We would have left our luggage outside our stateroom except my sister had a bad experience on a Carnival cruise where they lost all of her bags. They did reimburse her handsomely but all of her honeymoon pictures were inside.
If you choose to leave your luggage outside your stateroom, just make sure there isn't anything inside them that you can't live without. My MIL co-owns a travel agency specializing in cruises and she does insist that what happened to my sister is rare. If they misplace luggage, they usually find it again.