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In the suburbs where I live, most bike theft is by kids doing a grab 'n' run. A simple cable lock works for me. I don't worry about the seat as the seat post clamp needs a hex key. Wheels are secured with standard QR levers.
If I had to leave the bike unattended for long periods of time, e.g. at a commuter train station, or had to leave it in an urban area where bike theft is a profitable career for some, I'd use a cable lock plus U-lock for the frame and wheels for sure.
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