Yes
Do my test and tell me which way is cheaper. Try to remember the OP's question............counter the high cost.
Sooner rather than later (in population numbers) will be cheaper, will counter the high cost.
It appears cheaper only because the initial number is lower, however you are not factoring in the cost over time...
The amount of money spent over many weeks of protection will be higher than waiting and taking that supposed big hit.
Early on I don't need this. As long as I can cover with fire trucks I let it go. That's money I don't spend, let alone spend weekly in a way that's transparent.
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