It think we'll have to agree to disagree on this. I know what the protection service is, but would never use it in this capacity. You will be making the purchase in full knowledge of a possible issue. It is hard for me to accept a lack of satisfaction on an issue you were aware of before the purchase.
Nothing is free, someone foots the bill and when these benefits get abused they go away for everyone, including the ones that haven't abused them.
I foot the bill when my business handles cards. I also foot the bill in the form an annual 'membership'


So back to the topic...
Lights will be here tomorrow or Wednesday. I will be in the mountains in wet and freezing temps Thursday-Sunday. Hopefully I will have something to post around Sunday night.