I don't die 100 times a day, but once or twice a day if things go bad. It is just too difficult to find an exact replacement of a Shame artifact to justify integrating a cursed one into an insured suit. If I had back-ups, no problem, but that isn't the case.
I tried playing Siege for six months. I used Cursed items there, but it is a totally different mindset on the standard shards with insurance. In fact, for me personally, it was the lack of insurance on Siege that ultimately turned me away from the shard. I worked around the housing issue and certainly don't mind dying, but the potential loss of items was just too much for me. I found myself making semi-good imbued suits without top-notch artifacts on Siege so I could always replace an item. I found I much preferred the journey on the standard shards to acquire and build a truly powerful suit with the best artifacts and items and I wanted to ensure that I didn't lose those items once obtained. But that is just my personal opinion and experience.