It's all about one's comfort level. IMHO
Are you a risk taker or need to feel totally safe?
I would like to error on the side of caution, and know I did everything in my power to keep me safe and protect my home, (investment) but that's me.
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"It doesn't cost "nuttin", to be nice". 
MOM
I just want to do the right thing! Uncle Joe, (my hero).