At $68/year, I think you are losing money. Wear on your clutch throw out bearing, wear on your tires (they are not meant to be driven at that pressure). Safety issues alone make this a non-starter for me.
I'd also take out additional insurance, both medical and term life - that's going to cost more than $68/year. False economy.
But feel free, maybe you will catch the junk that falls from the truck, and save me from having to try to avoid it (at least I'll have some reaction time, following several seconds behind instead of drafting).
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