The material damage is usually negligible, we agree on that.
The psychological damage, that someone simply broke into your place, that anyone could enter at any time, day or night, etc., is usually much, much worse after a break-in has occurred...
I know two cases in my circle of acquaintances where break-ins happened. A single-family house (patio door) and an apartment in a multi-family house (balcony/balcony door). Both times lots of chaos (1 day of cleaning up), no damage in the house, stolen goods were minimal, more so in the single-family house because she had jewelry.
Yes, the break-in is a huge story for a while. But life goes on. Nobody sits anxiously in the house thinking the bad guy will come back or would have taken pleasure in the underwear. After 2-3 months the topic is done.
In that respect, I see it quite soberly. It’s not nice, you don’t want to experience it, but it’s far from being the end of the world. To spend four- or even five-figure sums on that? In my opinion completely exaggerated and not appropriate. There’s a lot of scaremongering and lobbying in this topic.
I also believe that the mindset of "everything out there is evil and must be fought off" affects a person mentally far more than maybe experiencing a break-in once in a lifetime. The damage is already there before anything has even happened. I find that much more worrying.
Especially since there is no proven effectiveness. One person thinks a visible alarm light helps, another says it suggests there is something to steal. Then cameras are supposed to help, and then there’s the argument about marauding gangs from abroad, where the face doesn’t matter anyway and investigation with such means is also unlikely.
The fact is, whoever wants to get in, will get in. After all, we don’t build castles with crocodile moats and drawbridges. Living in a golden cage is only fun to a limited extent.