Doubtful on my home address - they'd really have to search and MAYBE find an amazon receipt with my address. Calendar is fairly unreliable - some things they may discern I'm not home, but not always. You're also talking a much more non-passive act to break into a home, that likely has security and a much higher risk of being nabbed by the cops (or worse). And the vast majority of people who might find your phone are unlikely to commit serious damage like identify theft or casing your house - but the CC info is a much easier target. The worst that would typically happen would be placing some calls to India or wherever (or perhaps if you had some compromising photos or video it would wind-up on the internet). And if I actually lose my phone or computer, I'll likely realize it before any real damage can be done. But the problem with credit card/bank account theft, besides being passive, is the information can be out there for months (even years) waiting to be sold without your knowledge. There's already enough information about you on the internet that locking your phone doesn't really offer additional protection. What people put unnecessarily at risk are banking and financial data, perhaps some private data on an email that could be used for identify theft - none of that necessary to have on your phone or in an email account.