Worth it?

Some of what gets sold to you is worth paying for. Most of the argument is about which.

A quote arrives, or someone knocks, or an ad follows you around. These pages answer the only question you actually have, in the first line: yes, no, or yes in these specific situations and not otherwise.

Then the reasoning, the cases where it is genuinely worth the money, the cases where it is not, the cheaper thing to try first, what it costs, and how not to be taken for a ride if you go ahead.

The verdict gets written before we think about what it earns us, and it does not bend afterwards. No link on this site currently earns us a commission, and when that changes it will not change an answer.