I went through google's recovery wizard (leaving a screen message etc) and noted that the phone had been turned off. Not good. So I requested a remote erase.
I was just figuring out how to get a loss claim started when there was a knock on the door. A kindly Indian gentleman returned my phone and said I'd left it on the bench. I didn't get into the why's and wherefores of it being turned off (the phone warned an unauthorized reset had been attempted) but I'm glad I got it back. I assumed it was a goner.
I'm angry at my absentmindedness. It's nobody's fault but mine, but I'm sure anyone with kids and stuff in both hands can relate to the dangers of near total distraction.
@SeventhMagpie yes I am pleased I did not have to pay out on a claim.
@SeventhMagpie I am not lucky with Samsung phones...
@sullybiker It's good that it all has ended well. :)