The insurance was a pretty good idea back in the original XBox and PS2 days when it started, but now everything is blu-ray and almost impossible to scratch. Heck, I picked up DQ VIII for the 3DS the other day and the GS employee asked if I wanted insurance on it. I get that the pins on it can get messed up, but c’mon…

Former GS employee here. I still shop there occasionally, but I use Amazon for a majority of my gaming business now. That 15% discount on pre-orders for Amazon Prime customers is hard to beat.