I think the reason so many people buy based on looks is because we’ve experienced ships which don’t match their advertised gameplay mechanic - we all remember what the Constellation was supposed to be, right?
Each Anniversary sale seems to add another year to the bundled insurance, I don’t think there’s any practical difference between a ship with 5+ years insurance and LTI.
By “help” Seth obviously meant Montoya did all the real* work and Ninjagirl took the credit.
*real work being defined as mentoring his team (ninjagirl) to achieve above target in the dinner vertical