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Poor saps who wreck exotics either have more ego than brains or no experience.
I've done both days at Exotics Racing and over 20+ track days in my GT3. No issues other than a couple of spins on tracks that had a ton of run off.
If you have zero or not a lot of track time and 0 tolerance for risk, take the insurance. If you've done a lot of time on track and know how to sneak up on the limit, it's a waste.
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