Dude, most that can 'afford it' wouldn't be crying about a cone mishap. You are talking above your paygrade. Just the time factor many of you guys are spending to keep these heaps barely running is amazing to me. If you had the dough, you'd solve the problems properly.
I knew a guy that put a $100k modifed Supra into the canal at Moroso. He was on the phone that night ordering another. He was pissed, but that would be the case with a $500 miata beater too.
Unless you are into insurance fraud, your comp/collision is not going to cover 'race related' incidents.
It's the same as guys like me that modify a new car as soon as it rolls off the showroom. Say bye bye to most of your warranty, but I am into enjoying my cars and can pay to do so.
You have no idea what my pay is, and frankly it doesn't matter. It appears as if you can't conceive of someone living well within their means.
I enjoy working on my car, I find it enjoyable and rewarding to solve issues that come up and to research and install upgrades to imrpove the car in the ways I want. I also enjoy the challenge of not taking a blank check to every problem that pops up. Any jackass can thrown money at a car.
I'm having just as much fun as anyone else at the track with my beater Miata. And I do it after spending far less on my car's purchase price, mods, and equipment, than some guys spend on their built engine. In some cases I'm beating those guys. When given to choice to "pay to enjoy my car" or "pay less, and still enjoy my car" the decision is simple for me because I'd rather save the money.