This thread is for comparing quote-shopping habits and avoiding weak coverage choices.
That is a really practical question and I think a lot of people run into the same issue.
A topic like this can easily turn vague, so it really helps when people describe the tradeoffs they faced and what mattered most in the end.
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.
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.
This is the kind of topic that could get strong replies if members share real examples instead of general opinions.