Definatly agree with you on that first part.
I can't dress up overly 'nicely' (I can only just fit my nice jeans and shirt on underneath), can't do my hair nicely etc.
I'd love a car for the boring stuff, like going to work. I'd like the option to take the bike at my discression.. not "oh shit I have to take the bike 'cause I don't have a car".
Although it'd take me about 10 minutes to get dressed and my bike moving, on a 1 hour journey.. say into Maidenhead or into Slough, I'd probably get there quicker.. and be able to slip my gear off before the "warm and cosy" man arrives in his car..
I don't bother with disk locks unless I'm leaving the bike in a "public" place for more than half a day. I'll normally stick it behind the skip at work or between some bollards so no-one can lift it out easily, without anyone noticing...
No-one's gunna ride off with it, some bloke will pick it up in a van. That'll happen whether it's got a disklock or not.