Implementation of nidbanes, passed out cows, shp loss from crime, and visitor buffs are told to be preparations for the future siege system. They are aimed to reduce the damage done to the industry. However, we will eventually face another potential balance problem: a village under the siege might just store their precious items on alts, spawned at their charter stone. Therefore, there will be no actual benefit in getting inside of a village. It might happen so that charter stones will be removed, since the world size will be reduced a few times. Therefore, people will not have an option to teleport their stuff elsewhere while being sieged.
What if a perpetrator could peak inside of a hearthfire and take the stuff inside of a hearthling's inventory (not equipment or study slots)? That way you could save your instruments, placed in your equipment slots. But not the food, pearls, and other valuables.
I know there will be ways to avoid people sneaking to your hf. However, there will be at least a chance for a reward.