I have been in two serious crashes.
My God! Smiling Ed! Two serious crashes! You are desperately unlucky to have experienced that. The odds of winning the Lottery have to be better than that, surely. Without a doubt you are the most qualified person here to comment on this nonsense of retrieving belongings before evacuating.
Like you, I carry all the essentials on me. Wallet, passport, medication if any etc etc. There is nothing in the overhead locker I'm not prepared to lose..