Glad you are happy with the tire insurance. For me, if the manufacturer covers it, why pay out of pocket? Even if Michelin pays part of the cost and this is what I'll find out soon, it will take more than 3-4 replacements to come out even (assuming the $1000 I was quoted for the tire insurance) and the process is just as straight forward. The issue is very few people have tried it. Part of the high price for these RFTs is the manufacturer's built-in margin for the warranties, assurance plans and such like. Why not take advantage of them?