Actually, the likelyhood of sitting in the cockpit would be worse. Not only are there insurance problems but regulatory problems. Nobody is allowed in the cockpit of a commercial airplane unless you are a required crewmember or have jumpseat privileges or approved by the FAA. That just won't happen for someone who wants to "observe" as a non-employee. Post 9/11 these regulations were heightened to protect the cockpit, which is why you don't see the door open during flight anymore.