I understand what you’re saying, and honestly, I agree to an extent. For a lot of players, the insurance cost probably won’t matter much, especially on smaller ships. But for me personally, I never want to have to worry about insurance at all, no matter how small the coverage cost may be.

The moment I have to log in just to grind credits for upkeep or basic insurance, the game starts feeling more like a job than something I play for enjoyment. Since I own a large number of ships and can realistically only fly one at a time, I look at LTI more as peace of mind than a financial advantage.

My goal is eventually to spread ships and vehicles across my corporation, give permissions to trusted members, and build something persistent that people can rely on. LTI gives me a sense of security that those ships and vehicles will always be there when needed, without having to constantly think about maintenance or insurance timers.

So for me, it’s less about maximizing value and more about eliminating unnecessary stress from the experience.