I came so close to using my garmin inreach today and calling for SAR on a 5 mile trail loop. A fucking black bear charged at me and I fell down a hill which was like 10 ft tall, thankfully I managed to grab to a tree and didn't break anything, then I had to find my way out with very little navigation experience, it was fucking scary. Thank God I had the garmin insurance in case anything happened, I was so close to being in debt for the rest of my life.