Well, considering how bad DJI CS is I wouldn't be surprised if they don't try to find any possible reason not to repair or replace your quad if you crash it. Everyone is acting like they will be any better than other company's.
That's my thought exactly. There's no guarantee you won't have to fight for coverage regardless of who you go through. Might as well go with a company that costs less and has good reviews. It's a gamble regardless, just as not having any coverage at all is a gamble.