I’ve heard this headache argument so many times. I find it myself and process was easy. All done in 4 visits for both the Non-O and then the extension 2.5 months later. I’d say a total of 2 hrs in all. Nothing difficult about the paperwork or the process.
I’ve done a lot of research on differing companies. The one that always showed up offering the cheapest premiums is the one that has terrible reviews for not paying out. So, cheapest isn’t the best solution as is usually true for everything.