Very interesting comments and facts that should help our reflections .

As for the self insuring part , insurance exists because we can't allways afford to self insure some risks , so how far is inflation from here ? And how bad will it get when it starts ? And if u by insurance later how much will u pay ? If u cancell that insurance now for a small return will it be enough to buy it back if and when u need it ?

Things must be kept in balance and that's the tricky part . Sometimes the crystal ball gets murky .