I am staying at smaller hotels and Inns (with the exception of my last day in Milan). I think only one of them has in-room safe. I have never used a money belt or an in-room safe nor have I ever locked my luggage and I have traveled to several foreign countries. I always left cash and/or credit cards in places like makeup bags, or, inside books or underwear. Never had anything stolen. Maybe I was just lucky? However, this will be my first time staying in Italy.
Assuming there are not safes in most of my hotels...
Do I need to always wear my actual passport (not a copy) in a money belt? Never leave it in the room?
Do I never leave cash or credit cards in the room? Always bring all my "deep reserves" in the money belt?
If there is a safe...
Do I keep passport, cash and credit cards in safe instead of money belt?