Agreed. That's my strategy for my road bike as well. For an ebike though? The whole point is to make getting places and doing errands easier. I use a cheap beater bike for this kind of trip. I think the only real solution to it right now is to try and mitigate theft with good locks, get insurance for the bike, and have a backup plan for when it inevitably gets stolen anyways. VanMoof including an insurance/replacement policy with their bikes is actually a killer feature I didn't know about.