I know about that fear of injury thing - plus I am a shrieker.
I went last night and fell into a tree and shrieked. Everyone thought Jason had been let loose in the woods.
I am still considering this, even though it's $250 and I could spend that $250 on groceries or upgrades or something for my kid... or repairing the cracked windshield on my truck, or two new tires on my truck, or put in towards residing the house... bleh. Hard to justify!