Not to be captain obvious, but a huge advantage of an ebike is that it is not really impacted by weight.

I can understand not wanting a $100-$300 molybdenum U-lock for a walmart bike. I can understand not wanting to carry around a huge lock and chain on a fancy street bike where every gram you have to make move yourself. But for a cargo ebike it is a no-brainer investment, as is the similar-priced theft insurance.

I'd be peeved if someone stole mine, but frankly between the lock and insurance it's not really something I worry about that much.

Of course, my city has very little cycling, so maybe there just isn't enough supply for the serious thieves to humble me yet.