I have an experience in which my mini warned that it was too windy and will, through no choice of mine nor the ability to override, land in its current location. Under normal land situation all would have been ok BUT it was over water and it dropped in to the water. I tried everything to override the control TO NO AVAIL. A VERY hard and expensive lesson. I did not have any protection plan on it (one of my first drones -nah I don't need protection). Subsequently I am a strong supporter of Mavics protection and, in fact, have used it several times.
As a PS -this was not a low battery issue. Some internal control decided it had to land!