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I pay 380/yr with full coverage ... then again, I ride a gurley bike.
Funny thing about this ancient resurrected thread is how people's stances change over time.
You've got people who used to be ATGATT years ago back when they could remember what crashing felt like.
Then a few years and more experience under their belt they've forgotten what crashing feels like and have relaxed.
It'll only take one crash to put you back to "ATGATT" again.
And yah... NH is squid capital. Every time I look out my window some tool is nearly crashing in no gear trying to negotiate stop lights and street corners at 5mph here.