It's not just the $250 for the bike, its the inconvenience of having it stolen. I live in a city, getting my bike stolen means having to take cabs to my clients which easily can hit $500 a month. I use kryptonite ny fahgeddabout it chain. It and the lock weigh 13 lbs! I wear it around my neck like a necklace. Takes getting used to but once those muscles are strong its no problem to ride 30 minutes like that. I also use pinhead skewers on the wheels, seatpost , saddle, and fork. Run inexpensive components on your bars because thieves can still cut your cables and unscrew 4 stem bolts and get brake levers and shifters. This is why I love Microshift components. If my bars get stolen its only about $100 to get me up and running again.