I'm considering not replacing my Nissan in the event of a major breakdown. We would still have our Honda (my wife's car), but I would shift into a mostly car-free existence.
One question I have, though, pertains to dealing with worrying about theft. I bike to work almost everyday, and I run errands. Many times I'm left with no good way to lock up and I have panniers and a laptop on the back rack. I don't like having to lug all that off the just to stop by the supermarket on the way home from work.
Is stress over the possibility of theft just something you have to deal with? Or have you found other ways to adapt?