All electronics, wallet, and anything I consider valuable go with me. My handlebar bag usually has these items in it already. Sure, you could argue that a $300 tent is valuable, but others don't see it that way. I usually leave clothes, tent, sleeping bag and pad in the tent. Zip it up and don't worry about it. Cooking gear might stay in a pannier that sits near a picnic table or somewhere (depending on bear/wildlife risk).