If you were bumped due to overbooking, or voluntarily accepted rerouting, Delta must still deliver bags to you. They should not be telling you to come pick your bag up. Regarding essential items, the Federal Law has changed. They cannot limit their liability when your baggage is delayed. They must cover "reasonable" expenses during the time your luggage is missing. That's open to interpretation however. If you had a job interview and needed a suit the following day, they are required to cover that. If you were attending a wedding and needed a tuxedo, they would have to cover that. If your bag was only delayed one day, they would probably not be willing to replace your entire wardrobe. It's all negotiable.
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