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Zaph42 - I respect that 100%, we all have our own tolerances for risk.
Safety/medical services is just a small part of what you pay for when you purchase track time. From my experience, if the org makes 3-4k per day, they are lucky.
I will be 100%honest, I did add up my expenses ONCE... in 2014, it was over 20k. I never done it again and never will. Lesson learned. lol
Doing what we do is expensive, it's a gear intensive hobby/sport. Like scuba, skydiving, ect... ect.. The memories and friends we make are priceless though.