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*shrug*
I've had stuff stolen off my bike in Portland, ME while buying ferry tickets.
I've had stuff stolen off my bike in Issaquah, WA while in a rest room.
I accidentally left my GPS and tank bag on my bike overnight in Oakland in a neighborhood filled with crackheads, and it was still there in the morning, to my surprise. Sometimes you get lucky.
At any rate, I was talking about long distance rides. I didn't buy the Sprint to putter around the neighborhood. When you're out on a multi-thousand mile trip, there are many times when you have to make a choice about checking something out where you won't be near your bike (getting maps from the visitors center, or going on a short hike, or taking a tour of a historic site) and having someone steal your stuff would be a big problem.
I once chased off some kids who were in the process of stealing my tent and sleeping bag. I have no idea why. The bungie net just looked easy to them, I guess.
Having insurance is small consolation, if you're out on the road and you're losing stuff you care about.
Just because -you- don't do that kind of riding doesn't make the question less valid.
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