With four panniers on the bike, unlocked and unsecured, I never leave the bike for very long anyway, so I am trying to determine the optimal combination between security and weight/space. At night it is right next to the tent (sometimes "locked" to it, and with no rain fly if not raining), and the bike goes in hotels with me when not camping. Grocery stores are probably the biggest threat, but often I wheel the bike inside when possible. If you don't ask and just do it you generally get less trouble. I wouldn't ever park it in high-crime areas just because of the panniers alone, even if I had a big-ass lock. I will look into the onguard mini though, I have a few useless U-locks that need replacing...