WOW..I have 40 acres outside of Peach Springs off route 66.. Fantastic place to camp out...the weather can turn on a dime been there at 14 degrees and fresh snow...lol. 5000 feet altitude. REALLY... back to the OP question. What type of insurance do you want to buy? Well, what you want to do and where and what will you do and go with your TC? It is a simple question you have to ask yourself. No one is doing anything wrong...we all have a purpose as to how we use our mobile shelters. Regardless, IMHO, I prefer to lean towards something with a little bit more traction. You may never need it but when you do and learn how to use it..remember this..even using a granny gear to get on blocks it is worth it.