I don't remember the price (I've had mine several years just keep upgrading it for free) but I know it was something around $100. It's probably a tad more now. Well worth it because almost as soon as a new heli/plane is release it goes onto the sim or at least when the bird gets popular.
Bummer about the MAAC insurance. AMA offers (or they used to) a Park Flyer version that would cover you flying at other places not just a sanctioned AMA flying field. Normally I'd say it's not worth the $$ but I had to "use" it one time. I "might have" ran into a parked car a few years back with a fairly large plane. I'm just saying LOL! I used to fly only at the club (Was flying some fairly large planes) but once I got into the smaller helis I drifted away from the club and like you said away from people etc is all I need now. I routinely fly at parks, in Gyms, and almost anywhere I can get a spin in. I've been known to take one (or more) of my heli on vacation. I took my Blade 400-3D camping last year in the Smoky Mountains. Was awesome for a few days then I lost a gear at about 100' and the whole campground got to see what a sloppy nasty auto-rotation looks like LOL!
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