Checking a bag with Ryanair or one of the budget airlines is not a problem, and will not really add to the time spent at the airport (OK, you might gain a few minutes). My rule with Ryanair is just to always check a bag, The standard fare works great if you are zipping someplace for a weekend, but needing to carry enough, even packing light, for a multiweek trip, checking a bag is cheap risk mitigation. Keep in mind not only size, but weight is limited as well.
I usually just go with the "Plus" fare bundle if available, it gets you a small bag to take on board, a 20 kilo checked bag of a larger size profile, a reserved seat, and airport check-in if for some reason the app or service is giving you a problem.
The flights are point-to-point, so little chance of lost bags or missed connections. The airports are usually small or use lesser terminals, so bags get to you quick, and you are not competing with hundreds of people to get to your bag. In my experiences, yes, it takes 5-10 minutes, but wandering looking for the public transport, waiting for a train or bus, or half a dozen other things take as much.