Threads about whether or not insurance should be carried in countries which do not strictly require it tend to devolve into insults and straw-man arguments. In the past, this has resulted in lots of moderator interference, which no one--including moderators--appreciates.
This thread is veering perilously close. Let's keep it civil, respectful, and on-topic. If you find yourself unable to do that, please consider not posting at all.
Thanks.
Mark
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