I don’t want a beat the dead horse thread. At the same time my pea sized brain says this does not compute. From what I can filter out of this thread and the other one; USCCA appears to be the best answer for legal coverage. I have become cynical in my older years not trusting any but my immediate family and some of them only for 5’ (how far I can toss them).
When it comes to my freedom and trusting insurers: hold out both hands, crap in one and wish in the other. Then see which one fills up the quickest.