So, the arguments against are you will probably never need it so why buy it.

Isn't that the same argument against carrying a concealed firearm? In all likelihood you won't need it so why carry at all?

If you have made the choice to carry which costs considerably more than any of these policies, perhaps the extra money is a good investment.

Just my two cents. I likely wouldn't have an opinion at all except the leading FL self defense attorney specializing in gun law recommends you have one of these policies if not a couple of them to cover the gaps.

I hope to never need this type of insurance but if I am going to carry a gun, and I am, I am going to have it.