How experienced as a pilot are you?
I'm About 200 hours with experience on C172, Seneca 1, Airvan & Caravan
Are you more individual risk aware minded - human,
or prone to fully comprehensive insurance mentality - german?
I am a risk taker, however this will be the first time in the USA and want to make sure I cover all angles. Once I have flown there and have some experience then I will have an idea on what cover is needed for future flights.
VFR