Yeah, NBD is just no big deal as mentioned above. I don't mind people posting about it but seems like it's every time a new release comes out, the same things are repeated.
As for insurance, if I ever have a problem getting something I paid for, I'll let my credit card company know and get my money back. I learned my lesson the hard way with PayPal and the recent Anime Island issue where they just dissappeared. All my orders with them were prepaid and most using PayPal, I lost hundreds on. I will always use my credit card and avoid paying upfront whenever possible.