You can only take so many pictures of your cat at home.
This is what I do re: camera out and about.
I carry my 'B team' camera a Pentax KM (K2000) in a small lowepro bag. I have a 18-55 kit lens attached to it. This is a very light combo.
My 'A team' equipment is a Pentax K10D with equipment.
I use my KM as my daily carry around camera. If i don't have it with me, I lock it in the trunk of my sedan...where it's completely hidden from view. I always check things out in the environs I'm in to make sure no one sees me slip the case into the trunk.
I never leave it there very long...can be 35 below where I live or 95 above in the summer.
I would not leave it overnight...just asking for trouble and never leave it visible in your car.
Mostly I have the Lowepro with camera and lens inside...slung over my shoulder. I'm retired so mostly when I go out it's for errands or I have a short trip planned fro a pix taking trek.