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I suggest going for it...
that is standard I must say, you may not need it now but sure you'll gonna need it. :(
your server will be your main computer when you get it so making available all the time is one main consideration.
I have accident, death and medical insurance. My medical insurance pays only my medical bills not my salary...
Locally (Phils) we don't have that kind of insurance. :)
this is a good idea though...