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I got the insurance - $399 for 3 years (I leased). A friend of mine had an E46 with Sport Package, and took nails in all of his tires several times and damaged all of his wheels to varying degrees. I've taken a lot of nails in previous cars (I visit a lot of construction sites). I don't see myself damaging my wheels due to carelessness, but my wife, at some point will drive the car & will most likely nail a curb; I see it as insurance that I won't need to divorce her after she does it! There's not a lot of sidewall to protect those 18" rims.
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