Something I learned from my Grandfather (a self-made Millionaire, when it was
not easy to do)
Always Insure something you can't afford to replace/repair
Never Insure something you can.
Insurance is the only form of gambling that is legal in all jurisdictions. Like all forms of gambling, it always favors the house.
2008 F350SD V10 with an 2012 Arctic Fox 29-5E
When someone tells you to buy the same rig they own, listen, they might be right. When they tell you to buy a different rig then they own, really pay attention, they probably know something you don't.