Upon your own head be it, Ken. I know a few lads who crashed soon after dropping NCD protection, could be tempting fate? Of course, it's impossible to draw concrete conclusions as all quotes and loadings are "assessed on a case by case basis". Maybe you should present them with a hypothetical scenario asking how the next quote would be affected with and without NCD protection although I'd be surprised if the racketeers would commit any response to paper.
I think I'll keep plugging away at the garden, DM. It was a lot easier when the kids were, well, kids... swings, a trampoline and grass to kick/hit a ball filled the space at various intervals!