Many thanks everyone for informative and often funny advice - some of you guys have given me an informative insight into the psyche of the pro helicopter pilot - naming no names B Sousa!
Special 25, thanks for the specific answer to my question about the insurance issue. The bottom line is the fear of spending many beer vouchers on the conversion to find there's no hope of a job with that level of rotary experience.
Once again, many thanks to everyone for taking the time to reply.