This thread is for real-world lessons people learn after going through the claims process.
This is one of those topics that sounds simple until you go through it yourself.
In my experience, the most useful answers come from people who explain not only what they chose, but why they chose it and what they learned afterward.
What I find helpful is when people compare what they expected at the beginning with what they understand now after more experience.
This is the kind of topic that could get strong replies if members share real examples instead of general opinions.
A question like this works well because people can answer it from experience, not just theory.
It would be useful to hear how different members have handled this in real situations.
Threads like this usually become more valuable when people explain why their answer changed over time.