Lets backup XLi owners here.
Cab/Taxi/Rent-A-Car owners are very experienced in keeping cars, calculating their maintenance costs, spare parts and Misc. Charges.
After thorough "Investigation" with feedback from their Drivers etc. XLi is the best commercial car!
Hardly see any Hondas and Suzuki's except for Mehran, Cultus and APV being used for commercial purpose aka driving on crappy roads, villages, overloading and you name it.
Use a Honda in a village for 2-3 weeks, you're gonna get fed up due to the suspension. I cannot comment about 9th gen Civic.
Verdict- XLi is better. That's why they are roaming around in large quantities. Done:D
And the Immobilizer issue, say your car has an Immobilizer, most thieves will know that thanks to PW and other sources.
They Need Your key so they will do their best to get it. Threatening at gun point, get beaten up bla bla.
Just get car Insured and chill. At least you might be sleeping when deed is done. Cars come and go, does anyone sell Human lives?