Each to their own I suppose.
I regularly travel without hold baggage, I do not care where I sit and I have my own travel insurance.
Give or take a couple of quid the price quoted is the price I end up paying.
It frustrates me knowing that a margin in the seat price I am paying with a 'legacy' carrier goes towards a proportion of the fixed costs of the baggage loading, a sandwich/meal I do not want and allocated seating which makes the boarding process slower.