Given that insurance is typically going to cost at least 10% of the bike cost per year, why not consider some of the advance anti-theft systems with GPS and motion detection. It's sad that there are a lot of bike thieves but I think the newer systems are going to start getting more and more of them arrested. My guess is that with the right anti-theft system you will not have a bike stolen more than once every 10 years and hopefully more than cover the cost via the insurance savings.
I want a motion sensing lock that says something harsh like "step back from my bike you POS" followed by a load alarm if it senses the bike is being moved around for more than a couple seconds.
