Just a side-note about the cost aspect of insurance from the perspective of a Swiss citizen (people with high-end cc's don't need to bother reading on):

I've also realized that sites outside the US include insurances, even though it varies by country which ones. Some include all, some just LDW/CDW...

Even with insurances included on my original res, Autoslash was still able to find me a cheaper rental. No insurances included in res but even with adding-on insurances at counter the price will be considerably lower. than what I could find.

Of course, people with upscale cc's don't even have to bother. CC's offered in Switzerland offer very little treats, you have to earn very, very well to qualify for Amex Plat here.

'Cause of the image of the US and some of its citizens portrayed in Europe, I thinks it's of great importance to get all the insurance-cover you can possibly get, as it befits your budget...