...and woe betide you if you try to get your insurance company to pay up, ever again. "Aftermarket? Cool, a get-out-of-reimbursement-free card, have a nice day!"

I’ve had aftermarket mods for years and haven’t had problems. There’s a big market and people will do what they want.

Sure, I'm all for that. OTOH, my experiences with insurance companies is that they'll spend 10x the money and effort for denying payment, and the contracts are heavily weighted in their favor.