🙂 We only had base cover + extras for years. Some years we won, most they won. When J first needed extensive & expensive treatment & care, it was all done as public.
My dad had his hips replaced when he was around my age, & I can feel mine going. I reckon I've got a year, maybe two. So I've upped my cover in readiness, but now with a non profit, so I'm only paying a touch more.