The wife got me an iPhone 5 for Christmas. It is currently on order. I've got several questions: 1) I have a 45-60 minute 1 way commute to work so I'm looking into a decent car charger for my new toy. Any recommendations? Any concerns about the car being one of my primary charging sources? 2) Any down side to the cheaper 'generic' USB to Lightning cords? 3) To insure or not to insure? Feel free to weigh-in on one or all of my questions.