Anyone NOT getting insurance for their new Evo?

[TheHoard]

So as the title states, who is not going to add or keep insurance for their Evo? I've been back and forth myself, trying to decide if it's worth the extra $7 per month for TEP. I know it's only $7 per month, but it does make a difference on the monthly bill. I've always taken extremely good care of all my electronic toys, and I've never had to have a phone replaced because I broke or lost it. I'm thinking about just going with the odds and not adding insurance. How do you all feel about it? Is insurance a sucker bet (like in blackjack) or is it worth it to you?