Forgive yourself , dust off , and get back on that pony . I will not drink with you today , my friend . <| sep |> I strongly disagree my friend . Whilst I agree that LTI lacks any real or explicit value , at the end of the day I have invested almost 3000 dollars into seeing the game produced . LTI on my Idris means that for as long as I want to play I will always have my own little space castle to call my own as a thank you for my support . While the in game cost to have that same feeling may be small , there is still the risk , even if it is infinitesimally small , that I may lose it with out LTI . KNOWING that I never have to worry about losing it makes me feel secure and so LTI hold implicit value for me . I also agree that 4 years of Insurance is FUNCTIONALLY the same as LTI and I am glad that makes you feel secure in your purchase . For me and many others , functionally infinite is not the SAME AS infinite and therefore prefer to invest with LTI . IMO as gentlemen and adults we should understand that different people are comfortable accepting different levels of risk and be okay with that . Its not a zero sum game . Just because your right , doesn ' t mean he cant be just as right as well .