I have been playing with smaller/cheaper drones for a few years. Wanted a DJI and kept wanting the price to drop which never did. Bought the Skydio ( I know near same $$ with options) but DJI has a replacement insurance and many folks were buying State Farm in addition. My concern is if it goes nuts (gimbal failure) or other conditions I want to protect my investment. I'm not always convinced the unit will land where I can retrieve it. The Skydio warranty seems excellent as long as you meet the pre-set conditions. Has anyone bought third party protection?