I'm leaning toward your thoughts. Have already discussed the next roof being metal when a hurricane blasts this one away.They ain't in business to pay claims, and they got hammered for years under a statute that required them to replace a "damaged" roof, no matter how old and ratty and without any depreciation. Truly was the golden age for the consumer. Cheap rates and you never need replace your roof. That statute was supposed to get changed, but I don't know if it did.
Last time I bothered to check, my yearly premium was going to be over $7k with a 20% deduct. Absent catastrophic damage, they'd likely never have to pay me jack. Then, they'll try to make you poney up deduct on front end, so I'd need to have a spare $100k or so lying about to rebuild, given bringing a large 1952 house fully up to "current code". That's a joke cuz this house is built like a Sherman tank. I just go bare.
I think it's on topic because it all goes into the hopper. I feel a metal roof will serve me well to help prevent/mitigate future storm damage. I'd hell of a lot rather buy it than insurance.