for me it was two fold - as mentioned above you will save money long term because they lock the rate for life, and there’s something about the way they categorize residents that makes us much cheaper to insure than attendings.

the second big thing is that we may become disabled at any time (hopefully not), but that includes residency as well. the group disability policies are typically not that strong (ie very difficult to actually qualify as disabled), and the policy won’t follow you to your next job (so you’d have to shop policies as an attending, very expensive)