Too Frugal.........I'm w/ you on this one. Hopefully I'm understanding correctly that this protection is robust........pretty much only IRS and spouse can attack and I like to think I have some control over those (tho it may be delusional in the case of the latter
). I like the fact that the protection is pretty plain vanilla........no need to file successfully for bankruptcy and no limits. As you suggest, we're probably a very small minority but I have seen a trend over the years to more discussion about this topic.
Reading that article you referenced was a bit confusing to me. A reader could get the impression that CA had reasonable protection compared to a lot of states. My prior impression (which I will retain unless convinced otherwise) was that CA protection was actually among the worst.