Everyone has their favorites. After my waist-style moneybelt nearly fell into the toilet at the Colosseum (it was too loose), I adopted the neck pouch which works perfectly for me. Some women hate it, but I generally wear the strap long so the pouch rests against my belly. I also travel in the winter so I'm already in bulkier clothing.
Dad, on the other hand, did just fine with the waist belt except he found that his passport was a bit stiff and awkward, so I ended up carrying it for him.
Not a money belt, but two other RS products I love are the packing cubes, which work great with his daypacks and luggage--you might find another set is better if you aren't purchasing RS luggage. I also love the thumb flashight and use it all the time at home. It's perfect when you wake up in the middle of the night and need something but don't want to bother your partner, and it's also great for peering into dark corners.
I never saw the point in putting locks on the bag. We carried wire twist ties and used those to secure our bags in transit. Twist them up a few times and it slows a thief down, without suggesting "I have valuables I'm locking up!" Our bags were small enough to go on the overhead rack on the train, and we kept the daybag in our laps. We never did a night train, so can't help there.