(...) Failed luck check destroys tools and gives a 2 hour cooldown. (...)
And why people can safely steal your car at guarded town? Why guards ignoring him? Lockpicking a car must be almost the same as stealing an item.What about car's signaling? Impossible to craft and be able to buy this feature somewhere at unguarded town. So if someone will try to lockpick your car even in sneak mode and this city is guarded, then he'll have some problems.
Wait, you mean a car alarm? That's... An awesome idea!
I am depressed none of us thought of that.
Car alarm = angry dog sleeping in the back seat