This post is freaking ridiculous.

Blizzard will help you restore your stuff as part of their baseline service. You dont have to pay extra for it.

People who want extra protection against possible mistakes that THEY MAKE (not blizzard) can purchase it cheaply.

You sacrifice a bit of time for improved safety. You gain some peace of mind (which is unquantifiably valuable, on a person by person basis).

What the fuck are we arguing here?