Cutting off a lock in a locker room during business hours is pretty bold. Contents of a secured locker should be safe from theft, alas we live in strange times where street theft is more common and often condoned. Watch has probably been pawned already and even if you catch the guy the chances of you actually getting the watch back is slim, unfortunately. Insurance isn't a necessity, imo, many people self insure. A stolen watch stings but won't seriously affect your financial life which is what insurance is for.
Good luck.
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