I just received and email from DJI... their DJI Care Refresh now covers water damage. So this makes it worth it to me.
Only issue I'm not sure of is... you may need to retrieve it if it drops into the lake/river/ocean. :-)
I was looking into DJI Care Refresh until I saw that it does not include water damage. That's the major risk I see: dropping into a lake or ocean while flying. I'm not too concerned about crashing on land.
Update: The do insure water damage now. See 2nd post below.
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