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For me it was a factor or where it was going and how long I thought it might possibly be on fire. Mine is "only" 30 minutes at 1200 degrees. If my safe was on fire for 30 minutes it would be a) in my garage, b) my roof would be smoldering on top of it and c) the rest of my home would be gone too.
I live less than a mile from 2 fire stations, fire alarms built into my security system, we are 100ft from a hydrant, the safe is in an area with few items that could sustain a burn.
If my safe was in a barn with lots of hay, I had no pond and lived 20 miles from town with well water, a volunteer fire department and there was a mile plus to to my neighbor I would have bought something different.
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