I agree - new wing or a new acft.
Try that with your auto insurrance carrier some day
In the long run the decision does involve considerations of meeting regulatons as well. Simply opting for feel-good decisions on the fly to suit what sounds best to the user may indeed increase the burden of risk on the insurrer. In the long run all operators will have to pony up increased premiums if the insurrer is forced to accept unanticipated repair risks.