I think I have come to a final purchasing decision: the 3-peice Pinlock set with front and rear wheel skewers and seat bolts, and an OnGuard Bulldog Mini TC 5013TC U-lock. I wasn't sure about what size U-lock would be best, as it seems there are three varieties - mini, standard, and long. But apparently the Bulldog mini isn't much smaller than the New York lock, but costs half as much.

These may not be the ultimate security devices, but at least I will be able to afford them . I think with this configuration, I will be more likely to ride my bike, as I will be less inclined to worry about whether or not I need to bring the chain, and if so, where am I going to put it.