I've explained it to the best of my ability. Can't think of anything else that would be helpful. We will have to just agree to disagree, and that is ok too.

Can't answer on the amount or timing of insurance needed.  I struggle with that also. Kind of depends on how bad you think things will get and how quickly it will unfold. If you knew it was tomorrow, 100% insurance. If not for 30 years, maybe none. That is why we have insurance, because we don't know.

John