Just can't totally agree with awap on insurance. It's more a question of were you are in life. When you hit the stage of having family members who are aging or other things that can stop a trip, it becomes a situational choice. As to cost, I self insure under $3000 and insure over that amount. Flying out of Chicago in winter in and of itself causes one to think negative thoughts about getting somewhere on time. Discussing insurance in a way that implies you are risk adverse and therefore why are you diving is not really helpful. Let each decide based on their personal situation. Self-insuring is a way to go for some and in some situations, just not for everyone and not in every situation.
Rob
Rob