I have no idea what you just said. Not a clue.
I think I need to actually start playing this game.
The ship insurance topic is one you're going to run into every 5 minutes if you frequent SC forums of any sort. Just so you understand the mechanic:
- If your ship is destroyed in the released game, if it is insured, you will receive a replacement. If not, you'll have to save up enough to buy the ship again.
- CIG has stated that in-game expense for insurance will be minimal.
- When you become a backer and pledge for a ship, it comes with some level of insurance (3 mos., 6 mos., etc...)
- If you pledge for a ship when it's just in the "concept" phase, it comes with Lifetime Insurance (LTI) as a perk. This was also given to early backers before a certain date for all ship pledges.
- If you let the insurance lapse on a pledge ship and it is destroyed, it will not be replaced.
That last point is where the forum fun begins, and also the general SC backer obsession with LTI. Hands have been wrung and vitriol has been spewed over the chance of losing a ship that was "bought" with real money. I personally think the whole LTI thing was one of the worst decisions CIG has made for backers, and all it's done is created a bunch of unneeded drama and criticism.
I personally don't care about LTI, and I'm not worried about losing any ships I've pledged for (if any
video game makes me worry about anything, I have no interest in playing it). I'm sure there will be numerous Bitching Betty warnings in the game if I have a ship that lapses on insurance, and I simply won't fly it until I go through the incredibly complex, error prone and arduous task of clicking a "renew insurance" button in the HUD.
😉
I understand a lot of folks just don't want to worry about it, or want to maximize their in-game earnings. LTI tokens are a good way for them to get that, and heck - they're still pledging for the game and that's good all-around for the development.
All of that mess is one reason why if people ask me if they should "buy" a ship, my response has always been "PLEDGE to back the game at the amount you're most comfortable with.
Nothing is guaranteed for early backing a project."
I've pledged for additional ships because I believe in the project, have gotten to this point over 100 hrs of fun with the alpha, and believe it's worth diverting funds from my entertainment budget, so it gives me a chance to play around with these things in the meantime while waiting for the official release.