Ottbmare is 100% correct!
Think of it this way. Suppose you have a home insurance policy. Every year you pay the premiums. It would be wrong of you to file a claim if your home was not really damaged. But if you really had damage, you would not hesitate to file a claim. That's what insurance is for.
The same applies here.
I guess you are all correct on this. I was just raised to be independent and to stand on my own, ie. to be a conservative. I suppose that I may not have a choice if nothing materializes soon.