How necessary is it to get the insurance? I've had my current phone for two years without insurance and everything is fine. However, if I'm getting brand new state of the art $600 phones - should I be playing it safe and getting the insurance? I'm so torn about it, because I think it's a major rip off (like the extended warranty on stuff), but on the other hand if something does happen to one of these phones I'm kinda screwed. Opinions?