A scenario like Rich describes is why I pay for the PP. I realize (hope?) I may never need to use it, but the value to me is that if things start to go bad, I'm covered. Gladly pay 5.95 for that.
Like Dirty Harry said, sneeringly, "...do you feel lucky?":)
Since I've needed it several times in the last 3 years or so, I have it and don't give it another thought. When I canceled NFL-ST a couple years back, I knew it would pay for many years of MRV (which I said I'd never pay a dime for and ended up relenting), and the PP as well. Don't miss NFL-ST, and am loving MRV (WHDVR), and not even thinking about the sat setup here.