Hi Rox – about 7 yrs ago I had my BMW X1 stolen – used wire through letter box and sprung the latch – we kept keys in the kitchen but out of site of front door – they new exactly where they were and stole car – we only knew something was wrong next morning when we realised front door was ajar – since then we take car keys up with us – dead lock front door but leave keys in – in case of fire.
So yes we all have to assess risk – make judgement call and live with it.
For the record that was the advice from the police – I’m not saying either of us are necessarily right or wrong – but that works for us.