And this would account for pros, let alone newbs in stealing, or just irrational behavior, or people who just enjoy creating harm with no gain. I think this is a case where the justification is weak and in reality it's more about greed and control on Apple's side rather than some potential benefit that is actually seriously diluted by a lot of other not mentioned factors.
https://www.bbc.com/news/av/uk-68003783
I agree that all the random factors you mentioned exist, and the proportion to random vs targeted theft would be an interesting debate, but there's solid evidence for significant targeted theft. The fencers tell the thieves what to look for.
Replacing the backpack and gym clothes was probably $100, market value was maybe $10, and it was $507 to fix the window. (my deductible was $500.)
Outside nwallin's car: no valuables
Inside nwallin's car: maybe valuables?