I just pulled up this community with the intention of posting this exact same question but specifying in a city.
So far, I've only really seen one comment that has addressed that. I see people around town riding these multi-thousand-dollar bikes, but I don't know what they're doing to keep them from getting stolen because bike theft is a huge problem here. Fancy bike, cheap bike, doesn't matter.
I would really benefit from an e-bike or, even better, an e-trike, but I'm pretty sure it would get stolen right away even with good locks. This thread very much discourages me from even trying, and maybe that's for the best. I don't know.