With those surplus ammo lowers, I cannot imagine a reason to get a PC.
I guess I'm odd bc I treat $2k ARs like that. Its why I buy good ones so I can treat them that way and not care.
I'd rather spend enough to get the best I can for HD. Not getting your rifle back does not equal not getting to see your kids again.
So I lose a $1k rifle, or all the guns in my safe....
Thats exactly what I said, 'spend what you don't mind giving up', but I don't feel any less protected with my $200 870 than with my $1600 rifle or my $500 rifle, or any other gun in the safe.