I have gone to 5000K color LED bulbs everywhere except the living rooms. It makes a ton of difference with my old eyes. Two neighbors have asked about the front porch light on my rental houses. One says it's too bright and one says they want one just like it.
Yes, use 2, put them on the tube. Use some fluid for lube and slide it in. The 1st one puts the 2nd down in the bore further for a better seal, imho. Maybe not so humble
Here are some questions that come to mind.
How much insurance will $10k (minus deductible) buy?
If it isn't used is it really insurance?
Why not buy only the coverage that you are willing to use and bank the savings?
I whole heartily agree, I retired at 58 and looking back could have gone years earlier due to my wife and my efforts in residential rentals. Sure I am continuing to work the rehabs and maintenance but it work that I enjoy and I don't punch a clock!