Just my .02, but I think there is a minimum level of safe that when properly located and bolted down, will resist pry bar attempts of casual thieves. So if you can install the safe in a corner, and bolt it down properly, that right there is going to get you to a certain level of minimum protection. Good enough for smash and grab type guys that break into your house looking for simple stuff to steal. Good enough for the big guy with a crowbar or even a sledge.
In my own little world, I think this is sufficient when you have enough insurance coverage and the contents of the safe can be replaced with just money... meaning you have no irreplaceable family hand me downs or whatever. This gets you past casual thieves, and has a good chance of protecting the contents from a non-total loss type of fire that would be typical in a city or relatively near a fire department one way or another. Sort of goes without saying but this also assumes you don't put the safe somewhere (like a garage) where a vehicle and a tow strap can be used to dislodge the whole thing and pack it up as a go box. Takes your odds of losing the contents down to a very low level, and lets insurance worry about it if you are the very rare exception.
I think this level of practical protection covers 99% of what is necessary for an average guy.