[Dan Semko]

The reality of a side impact accident is the g force will probably snap your neck, or by the time they pry you out of the cube, you'll wish it had but those are unpredictable and unavoidable. Why sacrifice a potentially avoidable limb loss for a few pounds and a few dollars? It's the same logic of properly insuring your cobra for theft or fire. You hope it never happens but if it does, at least you have some recourse.