I think it's clear that everyone has the things that they value for their own situation/home airport/favorite hotel, etc.

For me, I never really realized there was an special travel insurance and I certainly haven't taken advantage of it.

But unlike tyberius, I love the FHR benefits. For the way I book, the price is frequently, though not always, similar. Usually breakfast ends up being a $60 or so credit which normally translates to a nice, cooked breakfast at a place where I would otherwise blanche at paying $25 for some eggs and bacon. When it's included, I love the perk.

Same goes for massages. They are not typically $500 in my experience. And while they aren't cheap, they are usually a pretty nice perk for my wife and when you knock $100 off are much more affordable.

Still, you don't need Centurion to get FHR. For me, I'm waiting another month or two to see how things shake out and then I will almost certainly downgrade to Platinum. The benefits just aren't worth the incremental money to me anymore. I've clung to it because of the "can't get it back" phenomena, but I can only take so many years of waiting for things to improve.