That probably isn't the best example as a previous poster already mentioned (best to insure separately like any goods of such value).

But as someone that's been nearly 100% earn focused since day 1 but now with school-age children, I'm appreciating the return, damage and loss protection far more these days. Kids tend to break, ruin or lose things (and that's fine, they can have their fun).

The instances in which an item purchased for my kids on a card with higher earn but no protections has sustained a loss or damage (in lieu of a card with lower earn but with return and purchase protection) are piling up. Most notable was an expensive rolling school bag with a telescoping handle that my son managed to somehow crush just days after buying (so the handle is now stuck extended forever).

It's definitely causing me to reconsider my points-first strategy and value the Platinum (or Aspire) more. I also have the Prestige, which is much more robust in terms of earn, but that lacks return protection and lost item purchase protection (and, of course, no rental car or travel protections to speak of).