Its 31$ a month covering both me and the wife and considering what could happen worst case I figured it was worth it
Yeah depending on what you get for that $31, it could be a great investment. If that fee is fixed and gives you representation in any type of action from presuit all the way to verdict/settlement/final order including trial if needed, then that's amazing. It really just depends on your lifestyle and likelihood anything could/would happen to you where you would need it.