I had a Model 3 and hated it because of the Key Card / Phone key options (among other things). I went back to the S because of the features it has that make it easy to operate, like passive entry. I don't want to be slowed up by having to enter a pin every time I drive or unlock it every time. Part of why I paid extra for an S. I have insurance, so if someone wants to steal it that bad, then I guess that just means I get a new one. How many Tesla's have been stolen so far? Not many. Definitely near the bottom of the list. If someone wants it that bad, they're either going to succeed or damage the car trying. Don't spoil your experience over something that's unlikely to happen. If it does, then it does. I don't live life based on the less than 1% chance something might happen. If that were the case, I'd never leave the house.