Is there any way to recover a stolen Mac with iCloud?

About less than three weeks ago, my bookbag was stolen and inside was my MacBook Pro. I have an iCloud account and OS X v10.7.3 Lion is installed on the computer. So far, the computer or bookbag has failed to show up and I have already filed a police report, but since it was stolen from a hallway on campus at my college, there's no insurance to replace the computer that was stolen along with the bookbag. I have been keeping a close eye with the computer to see if it will show up on Find My Mac, but so far it has been shown offline. I went ahead and sent a remote lock and remote wipe once the computer is connected to the Internet to see if I can locate it.
I do remember someone telling me something about the remote lock feature and how it's hard to circumvent the feature, like if the person who stole the computer thought all you would need to do is replace the hard drive, but I was told that even replacing the hard drive would not work, because a remote lock is within the firmware or motherboard (logic board). Is this true?
So how would I be able to recover this computer? Also, are there any used, refurbished MacBook, MacBook Pro computers to get to replace this computer if it doesn't show up or isn't recoverable?
I was thinking about replacing this computer with an inexpensive Ubuntu PC laptop....
I did see a refurbished MacBook unibody white (last model) selling on Amazon for $749.

Used Macs of every description are always available on Ebay and Craigslist and from a plethora of online used-Mac resellers. Apple sells refurbished late-model Macs at 10-20% discounts with a new-computer warranty and the opportunity to extend the warranty with AppleCare.
http://store.apple.com/us/browse/home/specialdeals/mac

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