I felt this way until I bought full coverage bike insurance.

For my $250 deductible I basically just get a nice upgrade to the latest version / a brand new ebike for ~$200 / year.

The peace of mind alone with insurance (and a really nice lock) have fully mitigated this for me. I've been leaving my ~$2k ebike locked up all over San Francisco for ~3 years without it being stolen. (My first beater bike was a POS locked up in my apartments secure bike storage and it was stolen after I owned it for ~9 days so I figured I couldn't double down on the bad luck).