Other Car Rental Programs/Partners (ie. Alamo, Enterprise, Sixt) - CDW - Alamo vs. Mastercard vs. own insurance

Ok,

Alamo is giving me free CDW on my rental in Vegas
Mastercard (Platnuim) is the same

My own car insurance (Cooperators Canada) says for $20 I get full protection.
I will need to buy from Cooperators anyways for my LAS rental. And the Mastercard has CDW.

Is this enough........ do I really need the Alamo CDW and is it worth it.

I have a line on another ID/code that is more suited for my rental needs then this one with the CDW.

Ok,

Alamo is giving me free CDW on my rental in Vegas
Mastercard (Platnuim) is the same

My own car insurance (Cooperators Canada) says for $20 I get full protection.
I will need to buy from Cooperators anyways for my LAS rental. And the Mastercard has CDW.

Is this enough........ do I really need the Alamo CDW and is it worth it.

I have a line on another ID/code that is more suited for my rental needs then this one with the CDW.

If you purchase the CDW from Alamo, it's not Insurance, it's a Waiver of Responsibility. Better than Insurance. No big hassle, just bring back the keys, tell us what happened and as long as you weren't negligent, under the influence, didn't allow an unauthorized driver to use the car, or a few other similar items happen, You're done.
Your choice but we see more and more people chose this option lately just because of the hassles they don't need deal with.