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Do You Pack a Change of Clothes in Your Carry-On Bag?

I hear my mom's voice as I type this, reminding me that one should always bring a change of clothes and underwear in a carry-on bag. Now even though I can come up with plenty of reasons to do this — layovers in different regions, fluctuating temperatures mid flight and those two most dreaded words (lost luggage) — admittedly, I've taken a gamble with simply a sweater in a small bag once or twice.

Do you think this concept is something that most people do most of the time, or something that everyone says, but few actually do in the end?

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