so if someone pops the window with a centrepunch (no noise) then opens door and finds your keyfob can they start car and drive off?
With a late model Outback, no-ish. If you've disabled the key fob then they can't start the car unless they do some very specific actions. If they know what those actions are then they can start the car.
Given that the dealers don't know what those actions are and other owners I have spoken to don't know them then you'd have to assume a casual car thief wouldn't know them either.
If you're that worried then you could put your key in a key safe hidden inside the car.
thats what i did this morn as it was raining.
Guess what I found last night at Flinders carpark - my car back doors would open with my fob in the keysafe... I had tested the front door, assuming that they would either all open or all stay locked. Wrapped it in foil today and it works perfectly...