This is my point , posted by you :
" Most of the chars I play in Fel don't have anything insured as it happens, but that's irrelevant to this particular "discussion".
Wenchy "
If thats not relevant in a thread about insurence I dont know what is
Well, allow me to clarify, because you misunderstood what I was saying. "Most of my chars" means that in Fel I base 7 craft, PvM and RP chars and they don't wear top end insured gear. They eat, sleep and breath in Fel without insuring their kit and if I lose a kit, I have a stack of armour gathering dust in secures as replacements. That means I still have a further 4 chars who do use insurance. My point was that I live a full life in Fel without worrying that I'll lose a suit or some items.
I wouldn't be suggesting a removal of Fel insurance if I didn't believe players could live without it. Or if I never used it. I just prefer taking Fel and all the risks to keeping a fancy suit. You have to decide what's important in UO, and the only pixels I'm attached to are in my stables or secured in my house. Even then, UO is a computer game, and they are still pixels...
Wenchy