My main motivation for switching is the house insurance. They've changed the terms on water seepage drastically to the point that if I were to have an issue it wouldn't be enough to cover the repair.
I asked TD about stated value insurance awhile back and they said they don't deal with that. Which makes me wonder if I'd be offered book value in the event of a collision. Do you have any special terms around that? Otherwise you and itsa300zx could be in the same boat.