Not trying to be cheap, I'm just looking at the view point of fads vs physics.... I want definate facts/science behind something I'm purchasing. I know $50 is cheap insurance on a $4K + investment but so do the people making a selling the products.

And is this hobby there are a ton of Fads, ie the popularity of the F18 and Yak. Heck a two years ago nobody was flying a Yak, now to be able to compete in 3D seems like you need a yak, and a lot has to do with perception over actual fact.