Reasonable precautions are a locked area. If you take reasonable precautions and have a forced entry event, you are not going to need lawyering up as a defense.
My primary concern is keeping ammo and weapons from coming into contact with one another in the hands of someone untrained. (child, ignorant adult)
Worries of thefts are best mitigated by living in a good neighborhood and having a simple lock that prevents anything but forced entry. I don't secure my home or car against brute force attacks, a rock to a window gets into a car. A body slam to a door gets into a room. As it is, 99%+ of all theft is by someone on drugs looking for a very rapid in-out, they aren't going for the oak and leather cased rifles, they are looking for watches, money, and phones they can flip fast.
Classic example from the thug actor Mark Wahlberg when he brought his criminal buddies to a movie set once. They asked what the cameras were worth, to which he replied "they are leased by one company, they are worth $300k each", to which his buddies said "we're going to steal them!", to which Mark replied "but where would you sell them?" which ended the discussion. You can't sell fine guns easily, much less if they are stolen. You can't easily use them in crimes. (any gun crimes with 6.5x54MS reported?) You can't carry them easily.
Maybe if I had 30 glocks around I'd feel differently, but then again, you could just move to a better neighborhood with the money it takes to buy 30 glocks.
It's just my opinion, yours can and does differ on the probability and impact of security events.
As to fire events, I think the fancy safes are sort of a sham. You don't want to own any gun that has been through a housefire, baking in a safe. The fact that it is less apparently damaged harms your ability to demand a loss from insurance than if it was incinerated.