Admittedly, the benefits are probably minimal, but even so, it's an extra precaution, and insurance companies often insist

I would ask your insurance before doing anything. If you simply ask do i need to have locking windows they will say yes. But ask what the insurance premium difference is if you do not.

It may be better to consider an alarm as oposed to locks, say you have a fire in the middle of the night, its far eaiser to climb out a window that is open than one that is broken, aslo in the confusion of a fire would you be able to find the key.

For insurance purposes, window locks are usually required.

Yes, the intruder would have to break the glass, then open the window. So, by having locked windows, they would need to climb through broken glass.

Admittedly, the benefits are probably minimal, but even so, it's an extra precaution, and insurance companies often insist.

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Could be easier and cheaper to fit after market type window locks

Most of the time the breakins ive seen in the past have involved the frame of the window being forced open anyway - not even the glass getting broken, but I suppose if the insurance co is asking for it then thats the end of the matter - it must be done. As J-paul says you might be able to go for the stand-alone locks then