That's a significantly different scenario. When you send in a hard drive, you don't get its monetary value back (like an insuarance claim would), you get the same pos that just died. And it presumably will die too. If your house insurance refused to pay you cash but instead rebuilt your house, filled it with gasoline, and attached a match to the front door such that opening it would cause a spark, would you bother filing a claim? That's what it's like to send in a hard drive. Pointless.