Depending on where you fly, and as long as you fly it as intended, you won't have any problems whatsoever. Also, the "trust" certificate thing is very simple and only takes a little while to complete. It's basically all common sense answers.
I have several drones over the last 5 or 6 years and have never had any type insurance on any of them. I make sure my batteries are charged, do my preflight check, take it up and wait for the "homepoint has been updated", and fly it. Have never...
Your best option is to locate yourself and the controller as high above the terrain as possible. Flying low requires flying from above to maintain clear LOS, to prevent signal obstructions. Find a roof, tall building, or elevated location, or...
Chicken Little smiley needed!
The sky is not falling, at least not yet. The EO is to determine whether Chinese drones pose a threat to National Security or not. So far, there has not been any evidence that they do. The articles are full of "ifs"...