[kerkeslager]

> Now, if I'm _ignorant_ to the other ways it is insured, great, educate me, but don't be a dick about it.

When someone tried to educate you, you responded with:

"Functionally it is declared the same in all the googling that I've done, but in practice, are they? I don't know, and personally, I don't really want to find out."

Do you see how maybe that's a bit FUD?