@soix I worked in the insurance industry for over 20 years and can confirm that companies are always looking for ways to deny claims. People generally misunderstand an insurance contract. The majority of people view a policy as explaining all the protection they have. The reality is slightly different. An insurance policy is a legal contract that lays out the limits of liability the company has taken on. When viewed in that context, you start to understand that insurance companies are not looking for ways to help you out. They are looking for ways to limit their exposure at time of claim. To your point, is there a real chance an amp could lead to a claim? It's extremely remote. Is there a chance you could win the Power Ball Lottery? Even more remote but people still win it all the time.
Should you be rude to another member because he/she expresses an opinion that you do not agree with? I think not. In fact, I think that is the worst attribute of Audiogon. The number of members who have lost sight of the fact they are only expressing their own opinions. And those opinions are generally no more or less valid than the next. IMHO. Cheers.