That last picture reminds me of a trip I took with my family to Washington DC when I was a kid! There was a bike outside the subway station that looked just about like that. I think they even took the front tire in that case though too. I could tell what was wrong with the picture at the top as soon as I looked at it. I think it is never a bad thing to be safe. If the extra work to lock everything up doesn't bug you, you shouldn't worry about what others think.