That's a smart way to look at it. It's easy to see that monthly payment as money gone until you need it. Then it's the only thing between you and a lawsuit that could wipe you out. A lot of small business costs are like that, just quiet protection for when things go wrong.

Yeah, that "built like a tank" part is so true for the good ones.

Oh man, @the_claire, my friend bought a cheap jacket once and spent like an hour cutting off those little plastic tag connectors. It totally wasn't worth her time.