I just got a list of equipment that all first year students need to purchase from SUNY, they also include a list of equipment insurance, the company would replace any stolen or broken pieces during the 4 years of school. Their price is about $3000 for 4 years this seems like a pretty large amount to me.... So my questions to the 2nd, 3rd, 4th years, or ODs: is this really worth it, or is this just like purchasing a peace of mind (like what I did with my renter's insurance, paid a couple hundred per year, but never use it, feel like all that money goes to waste.) How likely are the pieces to be stolen/broken or missing? Good deal? waste of money?