I’ve been carrying the Pacsafe for years, paired with the Pacsafe travel wallet. The wallet has anti-scan, and velcro and zippers (multiple subtle pockets mean I can hide most of my cash), and it clips to a loop in my Pacsafe bag. The stuff I use frequently (phone, wallet) go in one section while super important items (passport, tickets) go in a separate, locked by zipper clip, section. The bag is worn cross body (as I always carry my bags) with my arm resting on it and a hand grasping the strap.
I always try to blend in like a local. I don’t talk loudly or draw attention to myself even when I am lost. I always keep my valuables in two safe places, one being a discrete Anti-theft mini cross body bag and had no problems all over Italy and Berlin last year. I have just purchased a Travelon messenger bag for an upcoming trip to Europe, where I will travel alone for most of it.
Get a travel credit card with a limit on it. If it does get lost or stolen, it will prevent a lavish spending spree. Also carry a cc that doesn’t have charge fees associated with use, some cards will charge 3-5% per use. If two of you are travelling together, each person should have a different credit card in the event one gets lost/stolen and you need to cancel it, the other person has a different one for expenses. Do not travel with items you never want to loose, leave them at home.