No general rules here, I think
For myself, I've had 3 bikes stolen. All from out of a locked garage in London. Seldom take a lock with me, even when touring.
I'm a bit sceptical about locks. I once locked my keys on the car at a motorway service station - pressed down the door lock plunger and slammed the door with the keys still in the ignition. Asked the next Ford into the car park - different year, different model - if I could try his key. Worked first time!