u/Daufuskie5

Serious question:

I’ve been looking back at how much I’ve spent on insurance premiums over the last 10–15 years versus what I’ve actually claimed.

Not talking about going uninsured — more like increasing deductibles while still keeping catastrophic protection in place.

If the math showed that investing the premium savings had a high probability of outperforming the lower-deductible approach over time, what probability threshold would make you switch?

90%?
75%?
60%?

At what point does retaining more risk become rational?