This is why I'm switching in a couple of months. I figure, I may not actually take full advantage of the HSCG for a year or more still, but in the long run I think it is a better choice.But I get so much out of my membership with HSCG that it's worth it. I originally had just the membership without the insurance because I had insurance through State Farm, but once the insurance got up so high, it was actually more than a $500 annual difference for me.
I think if I hadn't had my membership with HSCG, OR I didn't actually use my membership with HSCG then yeah, it wouldn't be worth it. But the insurance through HSCG is relatively inexpensive when only comparing insurance costs.