I don't agree so much with the idea of criminals being ahead of the curve with all the tricks. Perhaps a small percentage of criminals are well prepared, but I certainly don't think that's the norm. The vast majority of criminals are lazy. They don't want to earn money the honest way. They choose to take the easy way to getting paid right now. Heck, oftentimes they'll down a few beers or get high on drugs before they go get the loot. Their lack of work ethic is reflected in how they go about committing crimes. Thus, they get caught.

Regardless, it would be prudent to outsmart the unusually prepared criminal. However, if you take that idea to the extreme, there is no end to the layers of security you can add. Even with all your layers, the unusually prepared criminal who is casing you specifically can get the goods eventually. At some point, I have to rest assured that my insurance will cover a loss of stuff. Physically hurt me or my family, and then we have a much bigger problem...