Considering all the factors, bird attacks, living in a wooded canyon with erratic wind and lack of experience. I'm all in on purchasing some peace of mind.
On my 6th drone is the last 9 years, with this Mini 4 pro I got the two year plan with it being so light and all plastic, two weeks ago I broke a tab off of one of the batteries just by removing from charger, zero cost to replace, today I accidentally backed into a small branch that couldn't see from 100 ft, broke off one leg, opened a refresh and sent back for a new drone, and will be expressed back to me for only $65.00, been lucky with this being I first crash ever.