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>battery powered grinders that will cut any lock

Not any more. A new generation of locks have an abrasive-filled plastic layer that aggressively wears down angle grinder discs. They aren't completely immune to angle grinders, but the better locks will take 20 minutes and multiple cutting discs to defeat.

https://www.cyclingweekly.com/group-tests/wrecked-and-rated-...

https://www.youtube.com/watch?v=x5tuFesVtAA

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Only if you use regular metal discs. Using diamond discs, you break through in less than a minute in those locks: [1]

Comparing with your CyclyngWeekly link:

- the Litelock X3 goes from 5min to cut only 50% of the shackle to 23s fully cut.

- the Abus Granit Super Extreme 2500 also could only be cut to 50% in 5min, while the diamond disc finished in 29s.

- the Hiplok D1000 couldn't be fully cut in 5min with 2 metal discs, it took 52s with a diamond one.

[1]: https://www.youtube.com/watch?v=pbdj3RRbLPQ.

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I felt this way until I bought full coverage bike insurance.

For my $250 deductible I basically just get a nice upgrade to the latest version / a brand new ebike for ~$200 / year.

The peace of mind alone with insurance (and a really nice lock) have fully mitigated this for me. I've been leaving my ~$2k ebike locked up all over San Francisco for ~3 years without it being stolen. (My first beater bike was a POS locked up in my apartments secure bike storage and it was stolen after I owned it for ~9 days so I figured I couldn't double down on the bad luck).

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