It is a decision between steady payments and a potential giant shock.

Which would you prefer?

I just wish to help people get out of the conundrum of "is it worth it?"

From a risk management perspective, the real questions are:
"what is the potential impact of this risk if left unplugged?"
"can we afford to risk it?"

If we can afford to risk it, then sure, roll that dice.

If we can't afford to risk it, then how can we manage it?
- how can we minimize the risk?
- how can we prevent it?
- if all else fails, how can we transfer it?

In its essence, insurance is a risk transfer tool.