My opinion is in the thread "just a little concerned about this.".
To me, before this issue was mentioned as a dilemma, the only difference was that one included risk while the more expensive included their so called buyer protection. They're making their money either way and when you opt for the more expensive form and have a problem, you may not receive the help you deserve. That's how simply I viewed this issue.
Now I'm going to read all of this thread...
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