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@Dammit
Why should we explain to you why you should get insurance?
It sounds as if you are happy with your arrangements.
This thread is for those of us who would like the peace of mind that comes with knowing that our bicycles are insured, so should they be stolen or damaged we can simply file a claim and be reimbursed instantly.
It would be beyond me to put my hand in my pocket and buy two three grand road bikes, a two grand mountain bike and a grand and half fixed gear tomorrow morning should they all be stolen tonight for example.
If I were able to find an insurance company willing to cover me I would gladly pay say £100 a month to be able to replace the lot any day of the year with no further cost to me.
Sadly that seems impossible having spoken to pretty much every insurance company operating in the UK at the moment.