I feel similar to Amancuso.. for the $$ that is spend to upkeep the Z3, if something terrible happens, I don't want to ever look back and say "why didn't I carry better coverage". It is all personal preference... I do drive mine at least 3 days a week back and forth to work.. almost all highway miles.. so for me, I like knowing that it is covered should one of us crazy MA drives hit another one of us crazy MA drivers.
This is my toy. 1998 (2.8)