The bike is always near the tent (or in the motel room). A light, 6' cable with combination lock will lock one bike to something solid, or two bikes together. Bar bag goes in the tent with wallet, camera, and sunglasses; the panniers can stay outside on the bike, or in a bear locker where they're provided.
I'm usually more worried about wildlife than wild things. Unless you know how to get an Ortlieb off the rack, you're going to make a fair bit of racket trying to get it off. An who's going to want to steal dried oatmeal and dirty clothes? The only potential trouble we had was at a town park after hours, when two (of a half-dozen) cyclists watching scared off a guy "looking for his cooler." Never repeated at any other location.
BTW, kick stands help when locking two bikes together.