It’s in the photo. Duh

Insurance is always a technical gamble. If you need it for something moderate to big you’ll easily run up a much higher bill than 5k. Could even be enough to eat the years of savings you had.

If you had paid that 5k that year, you’d still have your savings.

Have lifetime already. No reason to jump. Generally it just works.

No need to have another project while Plex still works fine.