Well now, if you have 100 rods, then you may have too many. And if you have 100 rods at risk of falling in, then you're just flat careless. And if you have 100 rods, is $4.50 per forever really that much for insurance? And I suspect that if a combo goes to the bottom, having spent $4.50 for something that comes back to the boat and brings the combo with you is not that big a deal. Or ... were you just trying to impress us by letting us know you only have 100 rods?
By the way, I am not a salesman for Rod Guard; I saw this on another site and was simply poking the badger on the occasion of his recent loss.