I live in SF so looking for a versatile lock that can help keep my bike safe. Because I've got a relatively old mountain bike, I'm not looking to spend $50-$100 on a lock.After a few months of using this lock, it does the trick.1. It stays in place around the frame of my bike. I don't need a holder for this, I just store it on the bike.2. It looks thicker and tougher than most other combination locks3. It's long enough to get around the front wheel and through the frame on most city obstacles.4. I don't have to carry an extra keyI wouldn't leave my bike outside overnight in SF (or anywhere where stolen bikes do huge trade), but for a few minutes to a couple of hours I've never had any problems with this lock.It's well designed, compact, and worth the price of admission.