Yep, OK, point made & taken. It’s what I thought to start with, but then I got sucked in by the city prices quoted. Like MR says, it’s really a no brainer.
Anyone who wants to try to change my mind again ............ you’re wasting your time!
Thanks folks
Although it’s looking unlikely that we’ll get away before early next year now, I reckon renewing with Club 4x4 is going to save me dollars, so I’ll include windscreen cover from the outset, & add the extra off road recovery option at the following renewal.