because it is more fun that way to me. If you want to feel 'attachment' to your gear, then don't insure it. PvE gives players the option to enjoy the experience of Tarkov however they want.
With all that being said, I am truly glad the Tarkov Coop PVE is FINALLY a thing, but holy crap this is a miserable experience in it's current state. I think we ALL can agree that we paid WAY to much for this game to have it be this mid. Generally speaking I wouldn't find thes...