And a million dollar liability policy is like ****ing up wind in a
hurricane - it isn't barely going to touch the potential liability in
that situation.

For the average boater, it's too much.

That's just plain stupid. For the piddling amount it costs it's well worth
the added coverage. This is IN ADDITION to the coverage you might already
possess on your existing policy.

You assume that I don't carry liability - I do.

With the logic you use that seems prudent.

You might want to take the same approach. This is a discussion not a
competition.

With you it'd be a race... to the bottom.