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What I've come to realize is that it's foolish to spend 80%+ of your budget on a gun safe just to increase the thickness of the steel, fireproofing, etc. Just as long as it's strong enough to resist smash and grabs and still store twice as many guns as you own now. Invest all the other stuff into layered security. The extra $3000 you spend on a safe could have been used for alarms, sensors, cameras, AND insurance. Stuff that can increase the security of your entire home.
Oh... and don't brag or blather to people you don't trust.
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Having spent a decent chunk of change on my safe, and looking back, I agree with you, to a degree. I personally wouldn't change the fact that I got my safe, it is nice knowing when I leave for the day, every item in there, will be in there when I return.
I couldn't say the same thing about a RSC. Even with layers, locks, cameras, etc etc, 2-3 guys could be in and out, with your entire safe, before the police could arrive. I know for a fact, it doesn't matter how many guys come, and with what equipment, they wouldn't be moving my safe without hours of work, and tons of specialized, heavy equipment.
That being said, my safe holds valuables that are irreplaceable, and if lost, stolen, or destroyed, would be horrible. But with all that, my next safe will likely be a $600 Cannon where all my replaceables go, and my valuable stuff stays in the TL.
ETA: To the OP, if I was in your same position, unless I had stuff that was absolutely irreplaceable, I would get a Cannon. As mentioned it'll stop most quick thieves, and if paired with a security system, should stop anyone who doesn't intend on getting into it before coming onto your property. Leave the garage door shut, or have something to cover most of the safe with when the doors are open. Don't advertise you have a safe, or it could make you a target.
Store all heavy tools, especially cutting tools, in a separate locked box (job boxes are great and relatively cheap). Don't leave out Sawzalls, sledgehammers, crowbars over 12", etc etc. Common sense stuff.