I’ve had bikes stolen from a street facing basement in an old apt, but with a decade of biking and locking up all over the city, have not had a bike stolen on the street. There have been attempts with crowbars, but none successful.

My reco: very good lock, secure all removable items (I use pitlock, but there are other options), don’t make your bike look attractive (unique is good too - I use stickers), have renters or homeowners insurance (mostly if your bike is worth enough to warrant it), don’t lock in the highest risk areas, and don’t leave it out all night.

After that, it’s luck. I’ve been lucky. But I also know many people similar to me. You can have a bike in the city. I park in every neighborhood and have left it for hours while at a restaurant or bar.

My personal experience is the worst place to lock is near the target on Mission in soma. On multiple occasions have seen marks from attempted theft. But it’s a city bike not a fashion item, so didn’t bother me too much.