Doesn't matter how much they steal. If they didn't have the PIN and they charged $100,000 credit charge with your debit card Visa would reimburse the money 100%. Of course most cards have a $5,000 or so daily limit that the thief could not charge beyond in a 24 hour period but you get the point there.
If they have your PIN # and steal it you are SOL. Never use the PIN. Burn it.