I guess it's more if something big happens like in an accident and need surgery or something else that's major or costly.
I did find a couple of times I needed to go it was very cheap, but more in the event something bad happens I'm thinking about now, and what I've taken for granted being in the U.K. and everything is free.
I've been impressed with the service and cost so far
this is why am I am staying away from the 180 extension and happy leaving for a weekend and come back in. When I spoke to U.K. embassy they gave the impression all your DTV paperwork could likely be checked again.
Not that would be an issue for me, I just rather limit the chances until a good amount of others have gone through the process and still it might just be easier to do a weekend away in many of the capitals in neighbouring countries I want to see.
Got my DTV in July after a week there earlier in the year.
Just got back again from almost 3 months while on my DTV.
I'm now back in the U.K. to make arrangements for a one way trip back there, using my DTV to stay settle there.
I will just time border runs when needed every 6months to visit other countries for short holidays or weekends away, so no messing around with extensions.