I agree - it was a poor example.
However, despite the potential for a prosecutor to make an issue of it, I still think the insurance is a good idea.
Unscrupulous prosecutors have made an issue, even won convictions, of people using handloads, or using hollowpoints, and other reasonable acts that the prosecutor was able to characterize as irresponsible, or pre-meditated.
Remember that the prosecutor doesn't care about you, or wrong or right, they care only how their record looks in gaining convictions. They will bring a case if they think they can win. It's never about wrong or right.