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I had liability-only insurance but with a clause including 100% coverage specifically for windshield replacement. I’m not sure why. I used it twice (once per vehicle) over the years and my rates didn’t go up as far as I could tell.
One time I locked my keys inside my truck and then I decided it was a good time to get the crack in my windshield fixed. It really did have a crack, but I also didn’t have to pay to have the truck unlocked.
5.5 hours a day is easy when you have a job if you don’t have anything else going on. I have much more time for games as an adult than I did when I was a kid.