yo stilts,
i used to do as the hard, but i'm always thinkin that if some f#&*in low down good for nothing junkie decides to cosh a window and break in anyway, what happens if they find your keys - as well as scoring some wheels they can flog all your spare gear as well - WORST NIGHTMARE EVER

If i'm sailing in a dodgy area , i use a waterproof surf walet ($15) most surf shops sells em, you can also tie them round your neck and they don't let a drop of h20 in.
or you could go the combi pad lock with space for a key on to your toeing ring, (hmmm is that a word, sounds a bit porno!), but there a bit exy.