Great answer, except:
"We can't speak to the AARP and Enterprise option"
What's not clear to Enterprise about AARP's:
Members receive third party liability coverage at participating locations:
•Enhanced Primary Liability Coverage - $25,000 / $50,000 / $10,000.
•Maximum Responsibility Cap - For damages to the rental car if you decline the collision / loss / damage waiver. This is capped at $5,000.