[ttyprintk]

Great comment. I have decided to insure my mint-condition #4 for €185. Even though the shirt is its own receipt, €185 is the replacement cost.

I notice 100 shirt owners like me have taken out the same policy. So, average replacement cost for a tragic dry-cleaning mistake in which all 100 insured shirts are lost is actually €235.

Obviously, any insurance company recognizes me as a sophisticated customer, so they offer me a choice: they could preventatively buy and store shirt #185 today, if I should ever need it, for an extra €10, or add a policy rider to insure the €50 difference between the replacement price and €235, for an extra 5.