I'm leaning towards LTD-B although I haven't decided just yet. With LTD-B and any sort of sick leave bank saved, you'll be just about made whole if you go out on long-term medical. What's wrong with this picture? Is it worth 1.65 TFP per 100TFP earned to have that peace of mind?

Let me put some cheapskate pilot math out there. How many LCO's in a year would this be? Or how about overflys? DL's? Is that worth potentially being made whole should the unthinkable happen? A single big reroute could potentially pay for the whole year of having this coverage. To me, that just might be worth it.