photos To Passcode or not Passcode your iPhone

I have been going back and forth on this issue. If you have it unlocked and lose it, then a good Samaritan could find a way to contact you. However, if somebody steal your phone or you lose it and a piece of crap picks it up, then they have a working phone. I suppose if somebody really wants to they can just reset your phone. Currently I have mine with a passcode and my wallpaper includes a phone number to reach me at. That way somebody can contact me without having to unlock it. What are your thoughts?