That’s a tough one. I’ve lost stuff, and it sucks. I always wonder what kind of lowlife finds it and doesn’t have the heart to return it. I’ve also found plenty of stuff, and always return it if possible. Once I forgot to zip up my bag, and several items bounced out. On my return home, I rode the route slowly and sure enough, at the place I drop off a curb, I found my underwear. Someone must have picked up the other items.
As for the Topeak bag, I added a small bungee cord that goes on under the back of the bag to provide extra security, as the clip is not much to hold the bag on the rack. I know it works, because if I forget to remove the bungee, the bag only slides back a couple inches and stops.