I mailed out a package yesterday and insured it for $350, wife was bitching about the cost to ship it. I told her no way in hell I'm mailing something like that out without insurance, no way.
Ammonia is what crashed my 2 year old 20G saltwater bc I did something dumb. Live and learn. The new 40G is pretty awesome though. I agree with you about the fish comment. It sucked since it was my fault. I felt terrible.