I was referring to the notion that having a PLB leads to people taking unreasonable risks OR that they may tend to activate the PLB for minor issues.

My point was that although I bring my PLB with, I don't want to use it because of the potential cost of the response. So, instead, I minimize risks to avoid the need to activate the PLB.

Like Ben said, I pay for the air bags and the OnStar system, but hope I don't need to use them.

BTW, I don't plan to pay for my own funeral ... I'll let someone else take care of that for me. :-)