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May as well put in my $0.02. Simply put, there are two parts to owning a safe: the protection of valuables against thieves, and the protection of valuables against fire.

The former is actually easier than you might expect. Just bolt it down to the ground so the baddies can't just wheel it away. Make sure the door is nice, thick, and heavy so the baddies can't drill in, and most importantly, the four remaining sides of the safe (yes, top included) are inaccessible. The safe is only as sturdy as the sides, which can be cut through very quickly with a circular saw. If the safe is in a nook somewhere that requires a thief to spend over 10 minutes to access the side of the safe, that's enough time for the cops to arrive assuming they tripped the alarm entering the home.

The latter is, well, much better assuming the house has a monitored alarm. Think about the time it takes for the alarm to trip and the FD to show up and extinguish the flame. That's how many minutes worth of protection is necessary. Just make sure the contents will be fine for the rated temperature. It's not about the minutes as much as the internal temperature of the safe when it reaches that time.

I ended up with an el-cheapo Amsec safe. I figure I can get 3.5 years worth of monitored protection with the money I save, which I have anyway.