This is why, I prefer LTI. :) LTI is effectively idiot proof for the times that a player (like myself) gets too busy to remember to keep up with the insurance payments & then goes & gets their ship destroyed. Oops
I prefer LTI because I tend to crash into a lot of things, never intentionally mind you. But mysterious things happen to me all the time.
I mean take the last occurence for example:
I was trying to open an old can of beer that I had found in the back of the fridge (so old the lettering on the can was blurry, or my eyes were blurry, or it could have been because there were two back there, but I could only reach one, or possibly I was drunk to near blindness...but I digress).
So anyway, I found this large can of beer. Sort of a Foster's Lager size can of beer, and I was starting to land while I was trying to open this can of beer, only to discover that it did not have a pull tab on it. I mean, how crazy is that?
Well, not to be deterred, I went in search of a "church key" to open the beer can with, leaving my ship in the dreaded "Hover mode" over the landing pad.
Upon returning to controls, I set the beer can down and began to open it. It proved to be a very viscous and dark beer, which upon a taste test was truly horrid and I immediately spit it out onto my controls, and while trying to daub it up with a handy seat cushion, I slide my flight stick forward and crashed in a spectacular fashion.
Upon further reflection I realized that it was more along the lines of an actual old can of oil, than "Oil Can" beer. The only conclusion that I can come to is that my wife, in error, placed some old oil cans in the fridge and forgot to tell me. It was at this moment that I realized that not only did I not have a wife, but that someone had the swapped the fridge with the pantry on the other side of the kitchen!
How mysterious...