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Money belts, neck wallets, etc.

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What do you think of neck wallets and other hidden ways to carry money and credit cards?

In all my years of traveling abroad, I've never used one. My travel companion and I each carried a different credit card and some money, so we wouldn't be stuck if one of us got pick-pocketed. Luckily, it never happened. But I'll be traveling solo next time, and I'm wondering if I want some kind of secret pocket. Or will I be okay keeping my extra cash and cards in the hotel room safe?

I'd like to hear your opinions on whether to get one, and if so, what type.

Thanks,
Celia

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