I'm more concerned about my phone being stolen. A DoS because I left my Bluetooth on is annoying. Having my phone stolen and then just letting the thief makes money off that is galling.
I'm more concerned about the ability to own personal property than the slight possibility it might get stolen. Having to spend money to buy a new phone is annoying. "I'm sorry Dave I'm afraid I can't do that" from a device I've purportedly bought is galling.