Perhaps I'm not making myself clear: There might be reasons I _shouldn't_ be happy with it! Maybe I'm overpaying, maybe I'm missing out on subtleties of one insurer vs another, etc. And I mean, hello, I'm posting here, of _course_ i'd rather not talk to a salesperson on the phone.

Your post actually inspired me to go raise the amount of my coverage. I was paying attention. It triggered some thinking. It even triggered action. But maybe I wasn't paying attention to the part you wished I was.