I'm in the same camp with indyfabz and others. When I first started really touring, about 30 years ago, I was probably much more nervous about the possibility of being robbed. I too have had a bike stolen (>40 y.a.) from inside my house but whether I was home at the time or not I don't know. That has been it as far as bike theft goes.

In the meantime I've become much more relaxed about it while on tour. Don't know if it's been just luck or whether I developed a "spidey sense" regarding potential problems. Probably the former. I left my bike outside the Black Bear Inn in Watervliet, NY around supper time near the end of a tour that had me on the Erie Canal Towpath for the closing chapter. One of the patrons, who'd stepped outside for a smoke came in and warned me that my bike was not safe since "they steal everything in this neighborhood." The bartender and rest of the patrons insisted I bring the bike inside the pub. That kind of sums up my touring experiences better than anything else. Most people are really decent and will reach out to help you if you are open to it. When in doubt, rely on the locals for the best advice on what to do.