the_real_plyawn

If you are banking on your homeowner's policy you should check the small print. Many (most?) have a relatively low cap (say, $1500) with a deductible of $500+ you don't have much coverage. My insurer requires a specific extended policy that at $3 per 100 makes it very expensive for higher-end bikes.

I'm the at the other end of the spectrum. It's too easy to get super-excited about the newest idea. I force myself to sit on new ideas for some period of time, rolling them around my brain. If it's still at the forefront 3 weeks, months our even years later than it's probably got some legs. Plus, I've refined it and answered some key questions by the time I'm ready to execute.

whatever floats your boat...